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in turn could reflect badly on you - your partner's credit rating is coupled to your own quite intimately. Whether your APR moves up, or how much, will depend on which card you have and where your interest rate is now.

Just like we should have fitness checkups, in light of the ever changing economy everyone could benefit from a 'financial checkup' That's quite a difference and it all hinges on whether the debt a collector is haranguing you about is beyond the statute of limitations for delinquent debt in your state.