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Applying or cosigning for a credit card with your loved one has its risks. The credit card and its activity appears on both of your credit reports, and you’re both responsible for the balance. If your loved one has good financial habits, however, a joint credit card account comes with a lot of perks. From helping you combine your finances to building credit and racking up rewards, a joint credit card is a great financial tool for couples. Here are seven reasons why you should open one.

As a parent, you want the best for your child. You want to provide them safety, shelter and a foundation they can build on as they make their way in the world. That involves many areas, but one that is commonly overlooked is finances. Personally speaking, my parents did very little to encourage my financial growth as a child. It’s not a complaint; it’s just what it is. I’m not the only one either.

If you’re facing big bills from a medical emergency, you probably have a million questions: Where do I start? What am I supposed to do? How do I pay this? What about my other debts?

New Era Debt Solutions recently announced that it has hit the milestone mark of settling $200,000,000 (200 million) of debt for its clients. At the same time, they were honored by the Better Business Bureau (BBB) for having zero complaints over the last three years.