<prompt> Human: So my girlfriend asked me this morning if I would be willing to be a cosigner for a small limit credit card 200-500 while she works on consolidating and trying to get better interest rates on her current credit cards. She has 4 credit cards currently totalling about 15k and a car loan sitting at about 13k. The credit card she wants me to co-sign for would be in the case of things getting tight with smaller bills hence the low limit while shes trying to get her other debts situated. I have good 790-800 credit.My question is, assuming things go well i.e., no late payments, no default how would co-signing affect my credit?  <response>: It would mean that if she defaulted on a payment, youd both be on the hook for the debt and take the credit score hit.My suggestion? Give her 500 and have her open a secured credit card with it. Much cheaper than the alternative. 