Effects on adding GF as AU

[Anonymous]

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@thelethargicage wrote:

Remember these words of wisdom from Jack Nicholson on "As Good As It Gets" when even considering handing a credit card to your wife or girlfriend:

When asked how he knows women so well, "I think of a man...and then I take away reason and accountability."

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LOL. Loved the look on the lady's face whom he said this to.

[Anonymous]

Haha thanks for the concerns all.  She does in fact have both of the cards I put her on and she is very responsible with paying her portion of whatever is charged.  She's in awe of how I can eek out so many rewards for flights and such and she's all aboard that train.  

Also, I'll be proposing to her later this year...I wouldn't give her the cards if I didn't trust her

[Anonymous]

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@Anonymous wrote:

Haha thanks for the concerns all.  She does in fact have both of the cards I put her on and she is very responsible with paying her portion of whatever is charged.  She's in awe of how I can eek out so many rewards for flights and such and she's all aboard that train.  

Also, I'll be proposing to her later this year...I wouldn't give her the cards if I didn't trust her

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Love makes you blind, my friend.  The only people I would trust with my cards are my parents who both have excellent credit.  If your DG has poor credit from being sloppy with her finances, there's a pretty good chance she'll do the same for  yours.  You've got some nice limits (either you or the other guy) = she can do some serious damage to your future.  Not saying pull the cards out from under her, but get them capped if possible or monitor your charges VERY closely.

[Anonymous]

That's the thing though, she doesn't have poor credit. Her scores were in the high 600s when we pulled her credit. Has a 300k mortgage and a current car loan. Collections was from an unreturned library book she was sure she paid off already, and the judgement was a tax lein on her old house from over 7 years ago. She wasn't stable financially back when that happened (old relationship). She was pretty much what I was before I came across this forum, having no idea about utilization or using cards properly. All she was concerned with was making payments on time and for the most part she's done that (lein aside). I feel comfortable with letting her have the cards because I know that whatever she uses it for she will pay off that week. Sorry it didn't work for your situation but for me it's just fine.

[Anonymous]

Hahaha, oh man.  My boyfriend is giving me the cards for all three higher limit accounts he just added me on.  

^^^  Same situation here.  If I use his cards at all, I'll pay in full immediately afterwards and it'll just be to help him actually have activity on them/help him gain rewards/higher limits - which might in turn help me gain higher limits.  He's not a credit card person and wouldn't use them otherwise...  thanks to me this past week he's gone from having one 2k store card, to it having a CLI to 7k, gaining a 10k card, and a 2k card that should have a nice CLI after 60 days.  (Amex)  

[core]

Yeah I have found the effects of adding a GF as an AU are:  High utilization and low bank balance.

But all this talk about not giving her the card?  That doesn't always mean you're safe.  The AU can call in and request a replacement card.  After all, they are authorized, right?  I listen to that evil Dave Ramsey fellow just for the entertainment value and I hear people call in with horror stories about this all the time.