<prompt> Human: Hi Reddit,I have a good credit score, always pay on time, and do not carry balances. My brother has been getting rejected left and right for a credit card because he has an unpaid medical bill in collections and otherwise 0 credit history, and I want to help him out. I have a credit card, but I can easily qualify for another credit card. FYI he will not be using the card. He does not have the money to put down for a secured credit card because he uses that money to pay for college classes.Does anyone know if having him as an authorized user on my card would increase his credit score more or less than if he cosigned another credit card with me? I know authorized users do not have to foot the bill but have less credit score impact. Cosigners have to foot the bill but does it have more impact on the score?I apologize if this is confusing. I know it really doesnt matter in the long run if I make the payments on time but I was wondering about this.  <response>: Just add his name to whatever card you use daily and dont give the card to him. His score will go up after a while, and you can take his name off once hes able to get one for himself. Thatd give you much more control over the situation. 