I 32F have an older brother 45M, we used to be very close when i was younger, but drifted apart in the last 5 years when i moved out of state with my husband. We both moved to having job offers and couldn't say no. While i was getting my things in order when i was moving out of state, i noticed that i was still attached to a credit card that my brother had with both our names on it. And it had a balance of $5400, he said he would take care of it and i would be able to remove my name from it. CC company said til the balance is paid off, my name will still be attached. Well fast forward 5 years later and the balance is now over $8,000!! my credit scored has gone from 802 to 612! I work hard and pay my bills to maintain a good credit score. He on the other hand HAD a great job, and was left with an inheritance of 250k when his first wife passed away in 2019. He could've paid it off back then, a long time ago! He told me that he is getting married about 3 days ago, and i havent responded to him, i dont even know his fiance, never met the lady. But now my mom is telling me that i am an a hole for not congratulating him, when he is so happy after losing his wife. So am i the a hole for that?? I think he's the bigger one to be fair. UPDATE: Ok so let me add a little more detail. I haven't used the card in over 5 years. He kept using it, and making payments until he stopped Dec 2024/Jan 2025, that is when i started getting notifications about my score decreasing. He told he closed the account and settled with cc comp to make small payments and that was 2 months ago. My score decreased again today. he has not responded to my text or calls. I bought a new house and new car in 2023 when my score was around 775, so things didnt start to get shitty til end of last year when he decided to stop paying this card.