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If somebody is requiring you to have a cosigner on their credit card, it's for a
reason. It's probably because they struggled with their credit at some point in the past.
If you cosign on an account with somebody else you're just as responsible
for that debt as that person you cosign with, whether it's a credit card, a
student loan, rent, and house payment, or whatever the case might be
there, so if they're not paying it, even if you're not aware that they're not
paying it, you're as responsible and that's going to hurt your credit just as badly.