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Rose's client is not alone in his difficulties with sharing a credit card account.

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

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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