<prompt> Human: Made my Son an authorized user on 2 of our credit cards and he now has a solid credit score 800. Unfortunately, mounting medical bills from a chronic illness might send us into bankruptcy within the next year. I would feel horrible if my health issues cause his credit score to plummet. How do I separate my Sons credit from ours and prevent me and my spouses bankruptcy or credit problems from affecting him? He is 20 years old.EDIT: Solved. He will apply for his own credit card we will remove him as an authorized user on our cards. Thank you everyone for your help!Assistant: Remove him from the card ASAP. I was an authorized user on my parents credit card and had to get taken off because my parents werent being responsible with the bills. The credit bureaus only kept my history up until the date that I was taken off. Unfortunately for me, they already had a delinquency before I got removed, but it sounds like its not too late for your son.Human: Okay, this is why I asked the question. I see the possibility of future problems and want to prevent them from affecting him. I plan to have him apply for his own credit card. We will then help him pay his monthly bill, because the only thing he charges are textbooks, school materials, and college meal plan. He has a bank account with a debit card and works, so he has spending money for other things. Thanks so much for the advice. I want to do what we can to not make our financial burden be his!!Assistant: Have him apply to his own card before you take him off. Discover Student might be a good choice, or a credit union if he is with one.Human: He and I are in the process of looking for a good alternative credit card. I didnt even think of a credit union! Great idea. He only charges college expenses to the Authorized User card and I will still pay the monthly balance for him for those expenses - for as long as we are financially able to...  <response>: Discover is a great student card. I got my first discover card as a freshman really low limit and no credit history and then eventually got an Amex because of a good intro deal. Still like having discover as a backup. 