<prompt> Human: My wifes mother has 5,000 of debt on a credit card with 20 APR and her monthly payment is around 150. However, much of that payment is going to interest rather than principal. Shed like to transfer some of that debt to a credit card with no interest so she can pay it off faster, but her credit isnt good enough to be approved. Since I have good credit around 780 she has asked if I would open a credit card and somehow transfer her debt to that card and she would make the payments.I have serious reservations about this, but my wife wants me to consider it. My main concern is that this would ruin my credit. Im used to paying off my credit card balance each month. My other concern is that she would be unable to pay and my credit would suffer because of it. She makes minimum wage and works less than 10 hours a week.If she makes the minimum payment on this credit card, will it hurt my credit score? If I decide its too risky, how do I say no? How else can I help her? Is there anything else I should be taking into consideration while making this decision?Unnecessary backstory: My mother-in-laws ex-husband had a lot of debt, and when they got divorced, she was left with 47,000 of his debt. This 5,000 is the last of the debt that shes been paying off over the last 20 years.Edit: Reading the comments has reaffirmed my instinct to say no, so weve decided not to open a credit card for her. We are unable to loan her money - we graduated college last year and are trying to build an emergency fund and tackle our student loans which should be paid off this year. Shes asked for money in the past and weve said no. I guess the hard part now is figuring out how to tell my MIL - my wife feels terrible about this even though we know its the right decision. Thanks for your help everyone.  <response>: ITT: HELL NO. Tl;dr HELL NO 