Totally freaking out over here. 18 months or so ago our daughter asked me to sign a paper so she could get a free, no-interest card that would pay only for medical expenses. The limit was $200, she was working, not sick, and doing OK financially. I did not really grasp that this card is a real CREDIT card like any other. Nobody told me when they raised the limit to $1000! Nobody told me when she missed a payment and they instituted 29% interest! Nobody told me when they began to apply $25 per month in late fees! The card is now up to $1061.20. I only found out about all this when one of our other cards suddenly lowered our limit and I checked our credit report to find out why. So for the last 2 weeks they have been calling MY house, literally, 15 times a day at all hours. I have been too ill to deal with any of this until today. I finally sat down to talk to them and was very frank about our daughter's condition and financial straits -- she's just been cleared to work after 15 months. I really can't believe how nice they were about the whole thing. We will pay $11 per month for the next 9 months, no more interest & no more late fees will be applied. By then hopefully our daughter will be working and can take over payments. The card is turned off now -- one good thing about being a co-signer I guess. We decided to go ahead and start making these payments; one, because they are so low, and two, because even tho' this is our daughter's mess, it is affecting OUR credit, which has always been A+. I've heard of someone's home being sold out from under them without their knowledge when a $160 dental bill went to collections, and I did not want that to happen to us!! Anyway, I pray nobody else falls into this trap w/o realizing what is really going on.