conversation: User (Ishallthrrowthisaway): "I'm 17 and turning 18 in less than a month. My mom called me a couple of hours ago and told me she needed me to get a credit card for her to use. She said she has some debt and can't get a Visa card because of it, she says she'll pay it off in a few months. The thing is that she'd have to wait an extra 6 months or something until she'd be able to get a new card after she had payed off her debt. She assured me she'd pay all the bills and I wouldn't have to worry about anything, I'm sure that's what she means to do but given her situation I can't be certain she'll be able to.\n\n****\n\n**Here's why I don't like this idea:**\n\n* She already owes me around 750$ and has for some time. This is from the time I allowed her to borrow my debit card around a year ago. She has consistently avoided paying me this money back.\n* She doesn't have a stable income. She doesn't have a real job, instead she has a bunch of women she helps with their emotional problems (EDIT: she does get payed for this here and there but it's far from reliable) because she has a pastoral degree, this is a bullshit job and I just wished she'd grow up and get a real job but that's apparently not going to happen.\n* She's going to be going back to school soon to get another theology degree, which will allow her to get a job as some Christian councilor in a few years but until then she has to save every penny. This makes me worry that she's possibly not going to be able to pay me back\n\n**...and finally the issue it all boils down to:**\n\n* I'm concerned it will affect my credit score. This is obviously not something I want hanging over my head as a 18 year old.\n\n****\nSo, /r/personalfinance what do you think? What should I do? What will happen if my mom fails to meet payments?\n\nEDIT: Thanks for all the advice guys. I'm going to tell her no, I suppose I already knew what I had to but didn't have the courage to do it. She's going to make me feel like hell but I'd rather have that than a bad credit score.\n\nEDIT2: I talked to her. I told her I'd looked it up the internet and I didn't think it was a good idea but she said I should trust her and that she'd make the payments. I mentioned the 750$ she owes me (bad idea, it's always turned into a fight when I've mentioned it), she got mad and told me she'd pay me as soon as she received some money she's expecting, something she has said multiple times before. I told her I'd speak to a financial adviser at the bank tomorrow, she yelled at me and hung up.\n\nEDIT3: I want to thank you all for the overwhelming support. I talked to her again and we're going to discuss it in person when I come to visit. We were a bit tense earlier and I think we'll be able to resolve this later. I realize that I might have been a bit unfair to her, she's really just a nice person that's had to go through some bad times since the 2008 crisis, we were hit especially hard, lost all our savings and are stuck with a house we can't get rid of. We're just eager to move on and I think my mom is just looking for a way out and it got the best of her. I'm still going to say no to getting her the credit card because of the reasons you guys have listed, I don't want to compromise my credit score.\n\nOh, and to all the people that have had to go through similar stuff (which is a lot of you apparently), thanks for making me feel like I'm not the only one in this situation. You also made it very clear for me what I have to do no matter how hard it might be. Thanks to all of you!"
  Self: "Hell no."
  