Have used this card for 11 years. A question arose 4-5 years ago that it was my son's card. Thought we had it settled. My husband is ill and unable to work, as I write this he is in hospital having suffered a stroke. My son was denied a auto loan because debt shows on his credit. Last November I went to debt settlement company because bills were overwhelming me, We were never late in 11 years. And had paid down a balance of 24,000.00 to 10, 000.00 before trying to consolidate debt. Can't have my son's credit affected.