<prompt> Human: So, I was in a bad situation where I was essentially homeless and living in my sisters basement, I was depressed, couldnt find a job and generally broke all the time, about 2 months into this funk my boyfriend who still lived with his parents managed to find a job full time and was able to support me and he got a credit card to help his credit so we could find a place together once I got back on my feet. He worked there for 6 months and quit on my birthday because of a scheduling conflict he asked for the day off, they said okay, then called him asking where he was and wanted him to come in I told him to go but he quit over the phone, collected his final pay and for the next 4 months we rationed his credit card which is now maxed. I thankfully found a high paying, full time job with benefits a couple weeks after that, but since then he has not let me help with his credit card as I had to pay rent to my new landlord and pay for food etc, and he saw that my extra income was for MY leisure rather than HIS finances.. it has now been maxed for almost a year now and he just makes minimum payments, Im at a point mow where my extra income is more than enough to cover rent twice over and could easily pay his credit but he will not let me near it. Its effecting both of us as he has not found a job to pay it off and I am moving in with him as of Nov. 1st to a new place. How do I help him? Hes working very hard to find a job but hes just letting his credit sink. How can I convince him to let me help him as I could pay off his credit in about 2 paychecks.  <response>: rrelationships might be a better spot for this question.You might offer him a zero interest loan of the entire balance to pay off the card and with his minimum payment as the schedule for repayment. This, at least makes all his payments go to principal. 