I originally posted this in r/personalfinance, but it was rightly removed because it’s more of a relationship advice question. I’ve made small edits to make it fit with this sub’s rules.
I just took the bar exam and started as an associate at a law firm. I make six figures. My girlfriend is a soccer coach and works admin at a high school. She also cleans an office building on Saturday and recently quit coaching club soccer. She makes about 25k a year. She lives on tight margins, chief among which is her rent, even though she stays at my house almost exclusively.
Anyway, I have two credit cards. One has a tiny limit of $500. I was thinking about just giving it to her so she can have the things she wants. She probably would never max it and even if she does so what. I also assume a lot of what she would buy, would be things for the both of us. She’s not irresponsible with money either. Lastly, it would be easier for me to give her the card than to think about a lot of the little things she wants and doesn’t buy.
What do you all think? I don’t want to create weird dynamics in the relationship, but I assume we will always have an income discrepancy. I also love this girl a ton and think our relationship is going great places.
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Why not setup an automatic transfer from your bank account to hers of $500 (or whatever amount) each month?
This way, you don’t see how she spends it, and it’s out of sight out of mind.
It’s really nice of you to think of this. However, I wouldn’t share income with someone I didn’t live with. Your relationship doesn’t seem like it’s at that stage yet?
It’s usually against the T&Cs of the card to let someone else use it/share PIN.
It sounds like you love her a lot and you have a healthy relationship. Personally I’d do it and talk to her about but I’d try getting the limit raised between 1-2k because $500 really does fly by, but also talk about her moving in with you. You said she’s basically there all time so it could be beneficial for you both
I think it’s a bad idea.
It doesn’t help build her credit. She should get a secured card in her name—you can pay the $500 if you want to fund it and you can pay it off if you want. But it’s in her name which means she gets the benefit of credit and it’s also not your responsibility ultimately.