My girlfriend asked me to use my credit card a while ago because her own cards had very high debts and she was struggling to make payments. Honestly, I trusted her and gave it to her, but this month I saw that my limit had been reset to zero. According to her, she would pay off all the debt once things got better, but things are not going well at all. This situation has been weighing on my mind a lot; I feel insecure and I’m stressed because of the debt. What would be the right thing for me to do in this situation?
7 Answers
7I think you’ve made a really big mistake. A credit card shouldn’t be given to someone else because the debt appears under your name. In fact, I believe they can also send you to jail if you can’t pay the debt. I know a neighbor who took out a loan and gave it to her son, and later the poor woman was ruined. 
@mahrem_saf they’re not throwing anyone in jail or anything, there’s no such thing. If you let someone else use your credit card, the debt is still your responsibility, but that’s purely a financial obligation. In the eyes of the law, you gave it willingly, so the fallout is on you. Don’t scare people like that when you don’t know what you’re talking about.
I’m curious about something. Did you know anything else about your girlfriend’s debts before? I mean, was he already someone who was struggling to pay, or was this the first time something like this happened?
@ters_kose Actually, it had happened one more time before, but back then it was a lower amount, he had paid. I trusted him because of that. But this time it totally blew up, the limit is full.
In such cases, the emotional aspect is more exhausting than the legal part. Since the debt is solely in your name, legally, you are the one responsible for the debt, not your partner. Therefore, first create a clear repayment plan; it might also be beneficial to sit down with your partner and come to a written agreement. If they fail to make payments, you may need to consider a solution that is independent of your emotional bond. It’s important that your own credit score is not affected.
@soran Maybe their intention is to pay off the debt, but they have no means. Still, if you don’t want to give support, just say it clearly, let them know you can’t help in any other way. 
This isn’t just about debt; there’s a deeper problem. It could lead to other issues in the future. Setting money aside, trust and communication are what’s truly important 