<prompt> Human: We have been together 7 months now, but we have been great friends for 2 years in total. She hates to borrow money and is surrounded by a financially irresponsible family. She wants to build towards her future and start off with some credit.When I was 18 I got approved for a Chase Student Credit Card with a very low income, and they gave me a 5,000 credit limit must have been a mistake. That card has been phased out and I got a Chase Freedom Card to replace it. I would like to add her as an authorized user in order to start her somewhere. She was declined for the Discover student card and another which I forgot, and she only works on the weekends as she goes to school weekdays but she rakes in anywhere from 200-350 in 2 days on the weekend waitress in a busy upscale restaurant. She wants me to hold on to the card and make purchases for her and she will give me the cash. She might also move her monthly phone bill and Netflix account to the card and keep it on auto pay. Is it worth making her an authorized user or would saving up for a secured card help her build credit quicker? As soon as she has some sort of credit she wants to be able to open her own credit card.  <response>: This is a bad idea. You are liable for any purchases she makes if you do this, and it should be obvious how this can go south very quickly. 