I think I need some more cards...

[Anonymous]

but if you're authorized only it only hurts you both because you aren't both financially responsible

[Anonymous]

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@Anonymous wrote:
but if you're authorized only it only hurts you both because you aren't both financially responsible

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Exactly and this is why I want to take responsibility for the debt as well. He's not asking me to do this and if I asked to be taken off to help my credit, I have no doubt he would say fine...it's me and what I feel is the right thing to do is transfer some of the debt. I know that being an AU on the card I can transfer some of this debt...any suggestions???

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
but if you're authorized only it only hurts you both because you aren't both financially responsible

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Exactly and this is why I want to take responsibility for the debt as well. He's not asking me to do this and if I asked to be taken off to help my credit, I have no doubt he would say fine...it's me and what I feel is the right thing to do is transfer some of the debt. I know that being an AU on the card I can transfer some of this debt...any suggestions???

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I get what you are saying and if it were me I would either 

1) Ask to be removed as AU so my score could improve so I can get a higher score and qualify for a good BT card

or

2) I would take out a personal loan to pay it off and improve my score by having the credit mix.

I hope this helps!

[Anonymous]

You can get taken off as AU, but still help DF pay the debt by just giving him a check. There is no need to punish yourself with it.

You are definitely suffering from a lack of accounts. You generally want three cards. I would apply for a Discover IT for you to have in your own right. Since you have a child, I'm guessing you also have a fairly large grocery bill. I think I applied for an Amex BCP with scores (and profile thickness) around where yours are. That would give you some diversity and the ability to let limits grow in the future.