Dear Liz : My husband was the primary account holder on our credit cards and I was the authorized user.

When he recently passed away, I was told I had to close the cards.

I have tried to open my own credit cards and have been declined by two banks because my debt is too high. I am the co-signer for my two daughters’ mortgages, making it look like I owe more than $1 million.

My daughters have always made the monthly payments and have done so for six years.

I also have almost $1 million in investments. I told the bankers I could bring in these documents as proof I’m credit card worthy and they said they don’t look at outside evidence, only the credit reports.

So here I am, in my 60s without a credit card. Should I just settle and be an authorized user on my daughters’ cards? What can I

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