- Centurion Member
- Posts: 3748
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
It is technically possible to have your name added onto the card and make it a joint account, and to then have her name removed from the account. The issuer probably won't allow this, though, as your mother's credit likely makes the account appear low-risk to them. You may have a high future earning potential, but at present you appear risky to them with your other debt.
If the goal is to get the debt out of her name, just devote whatever free cash you can get to paying her back ASAP and extinguish the debt altogether. What might be a good move financially, but might still bother you and her, would be for her to do a balance transfer card to stop the interest until you've got a good income. She would still be liable for making minimum payments on the new card, which can be higher than the minimum payments on purchases made on the current card.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when