Adding a Relative to a Credit Card You Own
Other
I did this thinking everything would turn all right but the person I trusted just kept spending money that "Suzanne" didn't have and now my credit score is being affected due to it but moreso she's unable to pay the card's company at the end of the month.
Moral of the story, don't mix family or friends with money that's your responsibility. Yeah, I learned my lesson.
People can spend thousands and thousands but doesn't mean they can actually afford it. Folks with £1k phones are the same case, they go into debts because of silly things like an overpriced phone.. I don't get it.
Well you learned your lesson but I'm not sure why it took that person basically trashing your credit to learn It. Why did you put them on your card... really want to know more.
She is a close relative and I trusted her she'd not spend more than she could afford.
Unfortunately some people are like a kid in a candy store and can't stop themselves. And when you get a credit card for the first time it doesn't feel like you are spending real money....until the bill comes
I feel for you. I have spent my whole life pondering the human condition, wondering why people act as they do, can't see or don't care the problems they cause. I guess a lot of this stems from working with children in care and wondering how parents can commit the atrocities that mean their children are taken away.
In your case I will never understand a relative who can do what you have described. Inability to manage your own money and squander it is one thing but to do it freely knowing the repercussions it will have on another, well I find it reprehensible.
I hope you've taken steps to prevent her spending any more money that she doesn't have, if you haven't the last paragraph of this might help. https://www.thebalance.com/adding-an-authorized-user-to-your-credit-card-959996
A word of warning to others: If anyone wants to be an authorised user of your credit card... ask yourself why should anyone want to be if they've a card of their own? If they HAVEN'T got a card of their own ask yourself WHY?
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