So recently I (40m) got a notification that my credit score had dropped, I hadn't missed a payment of any kind so I was confused. After calling it in as fraud I learned that my girlfriend (37F) who lives with me opened a new credit card account and for some reason added me as an authorized user without telling me. She then missed payments and it is effecting my credit score of course. I am not in need of credit card at all, and she really had not good reason to add me to it. I am obviously pissed off about it. She said she just added me so that I could use it in an emergency. I am currently very far from a situation where I would ever need her card for help.
For context, she is terrible at managing money and spends everything. I am someone who saves and invests for the future. That has caused many issues for us, but this feels like a wake up call. I pay for basically 100% of our living expenses and this is what I get in return.
I am left wondering if she added my SSN ti get the card, or if she is trying to tie herself to me financially for other reasons. Either way, this and her spending feel like a scary red flag for the future.