Never agree, because you have been with your boyfriend for less than a year. I don't know much about it at all. I don't even know what kind of family my boyfriend is and what kind of person he is, if he is really cultured. Persuade someone with good deeds, and he won't say to use your credit card. He can apply for a credit card at the bank. First of all, his idea is wrong. I hope you will be careful, it will be better for your future life.