A joint credit card means there’s a main account holder and an authorised second user. This is different to a joint bank account because the responsibility for the credit card payments (and any debt that builds up) sits with the main account holder. The requirements to get a joint credit card are the same as when you want to take out any other type of credit card. But the lender will usually do a soft search and want you to be over 18 if you’re going to be the authorised second user. Sometimes it’s a requirement for you to live at the same address or be a family member, too. Learn more about taking out joint credit.