<prompt> Human: Im a 23 years old who has a pretty decent credit score and is 100 on my own, my brother is 17 and is in high school while working part time at a pizza place. He asked me how he could get a credit card to build his credit score for the future so I added him as an authorized user on my capital one credit card account after being told that was the only way to help him. My mom is not really all that healthful and shes very paranoid about the whole thing but I have high hopes for my brother and want his life to be better and easier than what I had growing up but Im wondering whether I made the right moves by doing this and what rules should I put on the card since I plan on not using that card and getting a different one so he can feel like he has full control of it. The credit limit is 500 and the due date is on the 8th of every month. He doesnt know much about owning a credit card and I dont know much about having someone on my card.  <response>: Your brother spending money on your credit card doesnt improve his score--His score will improve for being an authorized user. I would take the credit card away from him and cut it up. Then you should use the card, keeping the utilization under 10 or so. Give it a year or two and he should start getting credit card offers in the mail. 