I have a close relative who is in debt and looks like I am going to have to lend a hand. She's about 30,000 grand underwater with 20,000 being credit card debt. Anybody know of a creative way that I can help her pay this off so that I can at least earn some miles/ points along the way? I am an Amex,chase, citibank, capital one card holder. Her debt is with BOA and chase.