<prompt> Human: Hello all,My husband and I are 25 years old and full time studentsworkers trying to get our finances in order. We have a bit of credit card debt and are trying to figure out how best to deal with it while we can. I have about 1100 on an american express card that is off of my parents credit account, so they are the main credit card authority on that and I just have a branch off card with them. He has about 1700 on his capital one card with a 17 interest rate. Our original plan is to take a big portion of our upcoming paychecks and pay off credit cards within 1-2 months, preferably sooner. Were making some alright money, living rent free and want that off our back so we can focus on getting out own place and pay for school. My parents have been advising me to get my own credit card for reasons; to get off of theirs, to get my own so I can have one separate from my husband, and hopefully find a card with a lowno interest rate for a few months so I can pay off the big chunk and then just use it for gas and pay it monthly for the credit score. Im still doing research on that, I have no idea about APRs or any of that. This is leading to some other questions. How important is it for a married couple to have separate credit cards? Is it something we should be doing, doesnt matter, or definitely not do? We discuss and deal with finances together so initially we thought one credit card to share but my parents seem to think that we should have our own. Should I roll over the debt, pay it off and then cancel the card? Should I keep a separate account and use it to build credit? Or should I just have a card under my husbands credit card account and use that?Thanks for any advice and Ill answer any questions you might have.  <response>: This is leading to some other questions. How important is it for a married couple to have separate credit cards? Is it something we should be doing, doesnt matter, or definitely not do?If no other good reason than your credit score. Married couples dont share scores.We discuss and deal with finances together so initially we thought one credit card to share but my parents seem to think that we should have our own. Should I roll over the debt, pay it off and then cancel the card? Should I keep a separate account and use it to build credit? Or should I just have a card under my husbands credit card account and use that?Thanks for any advice and Ill answer any questions you might have. Have your own cards. 