When I was 18 years old, my dad cosigned an application so I can get a credit card. I don't recall our conversation. I just remember getting the credit card because somehow, I talked my dad into cosigning with me. I never asked my dad why he did it. I guess it's because I know what he would say. To him, I was a risk worth taking, and I'm sure he believed I would own up to the responsibility of making the payments. I'm happy to report he's never had to make a payment on my behalf. Still, like many Christians today, my dad cosigning for me was a mistake, but not for the reasons you might think.