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Before you can have a good credit score, however, you first need to have a good credit history.

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Credit Cards » Sharing Credit Card Accounts A generous octogenarian added his domestic helper as an authorized user on his credit card account so she could buy supplies for him and food for her family.

"She, in turn, shopped him into the poor house, buying clothes, furniture and jewelry that neither of them can pay off," says William J.

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.