<prompt> Human: Long story short: Grandfather was dying, rough time for our family, aunt approaches my mom asking for help with her finances, mom agrees unfortunately to authorize a second user for her Amex credit card, runs up 15k in charges for things like sofa, TV, etc., and now doesnt want to do anything about it. Mom basically had to go there and beg her husband to pay the 550mo minimum balance. But this will ruin her credit for a while and it will take YEARS to pay this off. Mom already tried contacting Amex to explain, but they said she cant shut card down and transfer debt to aunt. What can she do?tl;dr Aunt became authorized second user on moms credit card, nearly maxing her credit limit, now wants to pay it down by minimum monthly balances.EDIT: also just realized, my mom said she placed a 10k limit on the second card, and my aunt maxed that out then proceeded to call Amex to allocate an additional 5k in credit. How is it okay that she can have the authority to extend her limit, yet bears NO responsibility to incur the debt?EDIT 2: Thank you for all the replies. It seems like theres not much that can be done, since this would be a case for small claims court and even then, legal fees and whatnot would add up and make it not even worth pursuing.  <response>: Your mom learned an expensive lesson, which is dont hand anyone control of your credit card or money if you arent willing to end up paying for it in the end. 