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Having two people using one credit card account will help you earn rewards faster.
Credit cards for no credit offer high approval odds to people with limited credit history, even if you’re a total newcomer with no borrowing experience.
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This article was co-authored by our trained team of editors and researchers who validated it for accuracy and comprehensiveness.
Together, they cited information from 10 references. It's possible to do so these days, although it's still a lot easier to use one.
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Transactions on the card affect the account holder’s credit score — and also the authorized user’s, if the card issuer reports authorized user activity to the credit bureaus.
The authorized spouse gets his or her own card to use, but the primary account holder is responsible for the bill.
For example, a husband and wife can each apply for separate cards, and then authorize the other to use the cards.
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So one spouse’s irresponsible spending habits could taint both parties’ credit reports.