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Here's what you need to know before you share a credit card account.

There are two ways to share a credit card account with another person: You can be an authorized user or a joint account holder.

Once you access the live connector, you will be able to listen to other callers’ own greetings.

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Credit card numbers that conform to the Luhn formula (MOD 10 check).

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The liability for the payments differs greatly."Authorized users piggyback on the credit of a friend or relative," says Cate Williams, vice president of financial literacy for Money Management International, a nonprofit credit-counseling agency.

Credit card brands always brag about their cards' ability to expand your purchasing power and vie with each other for the greatest universal acceptance worldwide. It turns out there are some things credit cards won't buy.

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