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There are two ways to share a credit card account with another person: You can be an authorized user or a joint account holder.

The liability for the payments differs greatly."Authorized users piggyback on the credit of a friend or relative," says Cate Williams, vice president of financial literacy for Money Management International, a nonprofit credit-counseling agency.

And because the Credit CARD Act prohibits people under 21, or anyone unable to establish the ability to pay, from opening a credit card account without a co-signer, more consumers will rely on authorized user status or joint account status to obtain credit, says Guarav Gupta, director of consumer lending and risk at Novantas, a consulting firm for the financial services industry.

Here's what you need to know before you share a credit card account.

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Rose says lawsuits involving authorized users and joint account holders are common.

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