<prompt> Human: I have really good credit, my gfs is pretty goof too but it could improve. So far I only have my credit card and federal student loans. Ive never missed a payment on either one. My gf has federal and private student loans and is about to apply for another small one. If I add her as an AU on my credit card account will it hurt her score since its adding more credit? Or not since Ive never had a min payment also pay off the bill every week or so. And will it lower her score right when it happens? Thanks guys  <response>: I did that once. I got so many birthday presents it was ridiculous. Then I found out I paid for them with my credit card and she didnt have the money for anything she bought me. Good times. 