<prompt> Human: So to start this off ill set a scene for you, last week I was out to dinner with my parents and the parents of a close friend of mine and the basis behind my question, their daughter Age 7-9?. Her parents make out well, they have a nice house, 3 cars and travel often. During our dinner me applying for a loan was brought up by my father, an embarrassing moment for myself as I was denied but it did bring up an interesting topic. From what I understand the girls father has had a credit card in his daughters name since she was 2 years old. He claims to use it for gas and coffee in the aims of having her start off with years of perfect credit.Im single myself and im a long way off from a child but the idea of this just really caught me off guard, is this a common thing and how can any credit card company sign a card over to a two year old? Surely he will have to be caught at some point, and Im sure there has to be some legal ramifications for this.I have been wanting to mention it to my aforementioned friend but it seems impolite, however I came across this page while searching for a new loan I can apply to for schooling and it seemed like a great place to finally discuss this with people, looking forward to the responses.  <response>: My brother added me as an authorized user to his costco credit card so I can purchase my own stuff solo without him. Not only was this a blessing because he paid off my card for me, but also because it was when AmericanExpress owned it and I took years of perfect history. Gave me the Jumpstart that everyone would want. 