<prompt> Human: There have been a number of times when I have had to buy items and get reimbursed. We both think it would be easier if I got a card on his account. Will his card affect my credit? Will this cards debt - credit ratio be on my report? What about missed payments?  <response>: Please only be added as an authorized user. Do not get sucked into having this card on your credit. If the business goes under however unlikely the business going under would be you would be held responsible for the debt. 