<prompt> Human: Im not exactly sure how bad her credit is shes never shared the specifics yet with me, just that her credit is pretty bad. I know Ive read somewhere on here that having a credit card and paying the monthly bill on time, regardless of how small the amount, helps bring up your credit. Can someone help me find a good credit card for her to apply for?  <response>: Dude...it is time you ask her for the truth. If you do not ask, one day it could be your debt through marriage. Sit her down and have an adult conversation put cell phones away and actually communicate. Since you said she never gave specifics I can safely assume that you have not had this talk. A very very important talk!!!No way should she open another credit card account. She needs to pay her debts. 