Brought to you by Y-ReFi.

Refinance your defaulted private student loans today at Y-ReFi.com slash Ramsey.

So I was just calling to see if this was normal.

My boyfriend has used the credit cards that are in my name, and two of them are in both of our names, but I don't use the credit cards that are in my name and two of them are in both of our names but I don't

use the credit cards and I was wondering if that is a normal thing because he's saying it's normal

and I don't have to worry about the transactions because he's making he's taking care of the bill.

Yeah I would have an issue with that.

Well, first, the mistake that I see is that you have credit cards in both of your names.

So I think that that is a mistake because either of you can spend on them and if either of you

decides that they're not going to pay the bill.

So let's say you guys were to break up and he ran up a balance on it.

You're both on the hook for it.

And if he doesn't pay it, it can affect you, you know, in a negative way.

So that's the first issue.

Then the second issue is then if you have a credit card that's only in your name and he's insisting on spending money.

Yeah, and it's him spending it.

There's no guarantee that he's that he's going to

pay for it, right? The bill. I mean, there's a chance he doesn't. And then it stuck with under your

name and you're completely liable for that. So how has he gotten access, Katie, to your credit cards?

Are you giving it to him? Or is he what? Yes. So we, it was an agreement to, to uh open the credit card because i needed to build

my credit i had no credit um at all and so um that was the way that we were going to build the

credit cards and i mean the credit using the cards. What did you need credit for?

...