<prompt> Human: My brother has asked me for a favor. He and his wife are trying to buy a house, and they need to improve their credit. Hes asked if I can add him as an authorized user on a card I dont use much since that would bring down their utilization and help their credit score.Obviously the risk to me is that if they made any charges I am responsible for them. But other than that possibility, are there any risks or impact to me by adding them? And is there anything I can do that would limit my risks?Ive already set up alerts on the card to text me if any charge over 50 happens. I use it to buy gas from time to time. Also, I was thinking of asking them to mail me the cards, since theyre not going to be using them. Im assuming the cards would get mailed to them in the first place. But Im open to other ideas that would help them while not putting me at risk.  <response>: You can add them, but NOT actually give them the card The card will always be in your possession, and youd never give them the account number either. That way, they benefit from being an authorized user, and you need not worry that theyd ruin your credit. 