<prompt> Human: I made a secure deposit credit line in 2015 with Citibank. The bankers encouraged me to go this route for my first credit card and I trusted them because I was there everyday and got to know them over several months. I put 500 down since that was all I was able to afford at the time. Never had a late payment, and avoided using it when I could, besides small reoccurring charges. Kept a mostly decent fico scoreFast forward to last December, I get a check in the mail from Citibank from my deposit with interest 7.56 and they gave me a new card. I went to request an increase thinking it would be no problem as I had a decent fico score. I was denied an 4500 credit increase and several other lower quantity amounts. After a call the to bank they said it was because of my credit report, that there were balances on other credit cards I had out. I investigated this and my parents credit card debt is affecting my credit because I wasam an authorized card holder under their account. They have nearly 18k in outstanding debt and roughly 80 of usable credit is being used. This is why I am being denied. I am not responsible for this debt, I do not make payments on theses cards and havent issued a single charge on these cards since 2013. I told my mother this and she was surprised this was the case and says she wrote a letter to the bank asking for me to be removed and explained the same things. No response from the bank. Paying off this debt wont happen anytime soon either. Whats the best way for me to get a reasonable credit increase? Should I open a new account?Ive also looked at other cards too and still dont know what kind of card to even apply for. Any suggestions? Send help.  <response>: They have to take your name off if you are an authorized user. You need to have your mom call them to remove you. You might also try removing it via a dispute with the credit bureau. 