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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.

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.