<prompt> Human: Im 20, and right before leaving for college at turning 18, I applied for a credit card with my local bank. My mom co-signed on it with me putting my parents income on it, giving me a crazy high credit limit, but because of my lack of history, it has a super high APR, which is okay, because I never carry a balance. Last year, I tried applying for an Amazon card to get rewards my current card gets nothing, but I put only my student income, and I got denied, with the reason being that my income 7,000 is insufficient. However, this doesnt really apply, since my parents pay all my bills. I DID apply for a Best Buy card and put my combined income with my parents a year and a half ago, and I was approved by myself without my parents as co-signers, but that might be because of the combined income that I put.At the same time, I hate my bank because there are no branches where I go to school, in a different state, meaning that if I have to do anything other than mobile banking, its a huge pain or I pay ATM fees. Id love to switch to a national bank like BoA or something similar to avoid another experience like this if I move again when I graduate in a year and a half. However, my credit card is with them, and I know that if I leave, Ill lose that credit history. My credit card expires in August - what should my move here be? Should I apply for something like a Chase card and put my parents income as well as mine, since they pay my bills? Should I switch banks and get another card with them? Whats the best way to set myself up for success here?  <response>: You shouldnt be including your parents income on any of your credit card applications unless you have full access to their bank accountsfinancials. 