<prompt> Human: Hello all, I need advice on the repercussions of adding my mother as an authorized user on one of my credit cards. Here is the situation:My mother has been asking for cash quite a lot, its not to the point where its breaking the bank for me, but I dont have so much extra money that I could support her. So far when she borrows money she will ask, then withdraw it from our joint bank account she helped me open when I was a teenager. I would like to say that I have never had a problem of her stealing money, so its never been a need to take her off the account. She is bad with money and doesnt pay me back but I loan it to her knowing this. Anyway, while I trust her not to steal money from me, I dont trust her when she says she needs 100 to buy just a couple groceries. She lives in a different state than me and its got a pretty low cost of living. I dont want to keep giving her cash because I know she wastes it on random crap she doesnt tell me about, but I want to still help her out without taking over all her finances. What a nightmare that would be.I am thinking adding her as an authorized user on one of my cards will help here out, letting her buy groceries without taking out payday loans she does this constantly and I could also keep a closer eye on where my money is going. I know it is likely she will not pay her balance, since she doesnt pay me back when I give her cash, but I hope that having this black and white spending history will help her get her shit together and raise her credit score from 550 to anything higher since I have good enough habits that my score hovers in the mid-700s. Worst case I pay her balance and remove her.Since I am already losing money on her, I dont see much risk apart from two things:My limit is higher than what I typically give her. I am very slightly worried she will max the card out before I can remove her. But I dont want to lessen the limit for myself or open a new card.I bought a car with financing recently and opened a new credit card and I dont want too many new accounts. I havent called any of my banks yet, but I am hoping there is a way to give her access to only part of my credit limit. Does anyone know if this is possible?Also, Her terrible credit will hurt me as soon as shes an authorized user. I know that my credit will affect her, as its my account. But I am worried that she will drag me down simply because she has a bad credit score. Not because she will miss a payment, or spend too much or anything. I know different places report authorized users different ways, but not enough to expect how this will play out. Any advice is appreciated. edited: typos  <response>: This will sound cruel but you need to cut all financial ties with your mother. The help she really needs must start with her living within her means. 