Whoa There Almost Homeless Guy

This is all just info that I wanted to point out for the author of the thread.

There is a way to do this without hassle and without great risks that would place you beyond your own means.

If you decide to go the route of a credit card, put them on your policy as a second card holder and user.

What this does is keeps the functionality of the policy in your favor and gives you the authority on the policy and on the limits. It also gives you the ability to cease the card at any time, during the life of the policy. I would recommend going through Discover, as they are more lenient with interest rates and entering new secondary card holders on policies than most credit card companies, especially banks. Bank credit lines usually have high interest rates. Avoid a direct bank credit card if you can.