<prompt> Human: my husband is a new immigrant in the US. He has no credit history and wants to get a credit card. Initially he wanted to be an authorized user on my accounts, but truthfully, I have very good credit, and I have a strong feeling he will not pay his bills on time, and it will affect my credit. He now wants a secured credit card. We have nothing joint, I have a house in my moms name, and no accounts joint with him. He mentioned on a secured credit card, he has to put my salary in there, since he is not working. I just wanted to know if his secured credit card will affect me in any way? I dont want to be responsible if he spends and doesnt pay. I dont want his late payments, having a negative affect on my credit.I usually try to payoff the whole balance every month. I know he is the type to just pay the minimum.EDIT: I live in NYC  <response>: Knowing all these issues, what was the point of marrying him? Marriage is a financial as well as emotional partnership, and given your financial difficulties, I see nothing but problems down the road. If you live in a community property state, you are most likely legally responsible for the debts incurred by him during the marriage, and his creditors can go after your assets. 