I get you. I have had experience with that so I understand where you are coming from. I wouldn't let others use it if I don't know their capability to pay. This friend of mine though helped me when I was struggling and it was through her card that I "survived" lol! So this is like paying it back. We are the the "friend"-ly users lol!

I don't use my credit card much. I need it to be used because I want to build a higher credit limit and using the card continuously is the way to do that. I have to increase my credit limit so I can borrow against that for future bigger plans. It takes time but I hope this works.