<prompt> Human: I have been rebuilding my credit score currently at a 640 credit score and I just got a Capital One Quicksilver One card w a 2000 limit. I dont carry any balances on my credit cards and I spend 10 of my credit line every month, so I really am just using the card as a tool to build my credit.My girlfriend 23 y.o. and I have been dating for 3 years and we currently live together. She has stable finances, but has never had a credit card and was able to pay for college without loans so she has absolutely zero credit history. I want to help her out with building a credit score, but she is trying to find a credit card that will work for her to little avail as most zero-credit cards are geared towards students and she is no longer one though she does still have a .edu email. If I add her as an authorized user on my new card will that: 1. Help her build credit?2. Affect my score in any way?She wouldnt use the card at all except for stuff we both use, so Im not worried about her racking up a balance and not paying. So should I do it?EDIT: I didnt really make this clear, but my thought was to add her as a user, but not give her the card. She doesnt want a credit card to use, she just wants a way to build credit history. Assistant: Dont do this.If necessary, her parents can add her as an AU to their cards, and they probably have better credit than you.Human: So I guess my main question is will her being an authorized user help her credit? How does the main account holders credit affect this i.e. her parents vs. me?  <response>: Your credit isnt that good to begin with, so youre asking permission to take on a big risk to do something that may not help her anyway. Dont do it. 