Sister’s Refusal to Co-Sign for Brother’s Car Divides Family
A recent post on Reddit’s “Am I the A——?” forum details a sister’s decision to decline her brother’s request to co-sign a loan for a new luxury car, and how it has caused friction between them.
The situation began with a straightforward text: “Do you have good credit?” The sister confirmed that she did. The brother then asked her to co-sign on a car loan.
The car in question was a Mercedes. Adding to the complexity, the brother has a history of financial issues, including accumulating debt and declaring bankruptcy. He now wants to upgrade his current Mercedes, which is too small as a “dad car,” according to his sister.
:max_bytes(150000):strip_icc():focal(685×515:687×517):format(webp)/car-keys-012025-77238c6b1f1847f5816bf6a43d230c7c.jpg) Handing off car keys (stock image).
The sister, a school teacher, acknowledged that her brother earns a good income, but she has concerns based on this. Despite her desire to help, she declined due to his financial history. She explained that she has bills to pay, and is also saving to purchase property.
Her concern was that co-signing the loan could negatively affect her excellent credit score. However, her brother didn’t fully accept her reasoning, dismissing her concerns. The sister then posted on Reddit, asking if she was in the wrong for prioritizing her financial security.
Reddit users overwhelmingly supported her decision, reinforcing that she made the right choice to protect her credit and financial well-being. One commenter wrote “If the bank who has billions of dollars won’t ‘risk’ him paying them back, then why would you, who presumably has less than billions of dollars. Definitely do not co-sign.” Another user added that the brother’s history suggests he isn’t ready for financially responsible decisions, and that the sister should protect herself.
The story highlights issues of family dynamics, financial responsibility, and the crucial importance of protecting one’s credit score.
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