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Your income, financial assets, and credit history-and your spouse's-are considerations for a joint account. No matter who handles the household bills, you and your spouse are responsible for seeing lowest credit card rates that debts are paid.

Knowing whether a plan gives lowest credit card rates you a free period is especially important if you plan to pay your account in full each month. If there is no free period, the card issuer will impose a finance charge fromthe date you use your or from the date each transaction is posted to your account.

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