I talked to DF and he said that we can get one. But the first time we aren't able to make minimum payments, he's cutting it up. No matter who it was who caused it to be unaffordable. I tried applying for just me (and a secondary card for him) and I was declined. We'll try again in DF's name, with me getting a secondary card. Plan C is for it in FIL's name and one of us getting the secondary card, but we are responsible for the bill. Hoping that we can get one in DF's name.

Going to get a limit of $500-$1000 only. That's enough to get us things we need. We moved into our place less than 3 months ago, and are still setting up.