Will it affect my credit if I close down my personal bank account and keep only a joint account with my husband?
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It shouldn't. Any obligation you have jointly, whether it is a deposit or a loan, should be attributed to you, good or bad. There is a requirement for this pertaining to loans, but no difference when it comes to how you handle a deposit account.
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It shouldn't. Any obligation you have jointly, whether it is a deposit or a 