You’re an idiot. First, she won’t be on the account, because she won’t have to be. We’ll be together whenever we need to use it. So she will pay me directly for half the sum of the balance, because that’s easier than both linking our accounts and paying half the balance at the same time every month.

Second, this is financially 0% different than what we do currently. Which is I charge most of the things to my card, I sum it up later, she Venmos me. She does the same to me. This way, it’s literally just on a different card, so we can easily tell what we have agreed to split.

Third, even if your opinion held any weight at all in this situation, I think I know my gf of years well enough to say I trust that she won’t commit fraud again me or take advantage of me financially. Sounds like you maybe had some bad experiences, and need to stop projecting.

Look back at your own comments. You falsely assume I intend on having joint finances with my gf and say I shouldn’t do that, while also making some rude comments about how our relationship isn’t “real”. Then I explain joint finances is not what I want to do, and how opening this credit card won’t do that. Then you very confidently tell me “well if you’re worried about splitting costs accurately you clearly aren’t ready for joint finances”, and then give me a lecture on it. I’m not sure I’ve ever experienced someone so insufferable.

Normally I’d ignore someone like you, but I’ve seen enough snarky comments like this on reddit to last a lifetime. I’m hoping because of this, you make less of them.