Joint account-holders are affected equally by all purchases, so your credit score will improve as you use and pay off the card.

FORBES: Stay at Home Moms Face Credit Card Challenges

They are licence holders through joint ventures in 13 countries, with a total population of 411m.

ECONOMIST: Telecommunications

Complementary and joint interdisciplinary work bringing together indigenous knowledge holders and natural and social scientists is needed to understand and address these challenges.

UNESCO: Social and Human Sciences