<prompt> Human: Shes only an authorized user, not a joint account holder, so the cardholder agreement says the debt is all mine, but is there ANYTHING I could do besides harassing her for payment? Assistant: Only thing I can think of which Im going to hope youve already done is remove her as an authorized user.But how secretly did she run up this balance? Was it done within one month? Or do you just never check your statements when they come in the mail?Human: Yes it was shortly after she moved out, we had been broken up for nearly a year but remained roommates, she had always asked permission to use the card for emergencies, and was paying the balance down with me for previous joint purchases. Apparently she budgeted poorly and lived off my card until it was declined, charging about 700 in a month, on top of the 1k she already owed on it. She made a 200 dollar payment back in November and has dodged me since.  <response>: Sounds like a guy I know. He even paid for his ex-girlfriend to live in their apartment for almost a year after he moved out, because she couldnt afford the place on her own. She ended up lying and badmouthing him to everyone they knew anyway, all during that time.Sorry, bro. But you made her an authorized user. Take this as a good lesson - and a cheaper lesson than finding out something worse with a spouse years later down the road when stakes are much higher. Hope you can re-coup costs from her parents or via small-claims court. 