<prompt> Human: Hi. My girlfriends having an issue with one of her credit cards and Id love any advice you guys could give.Background:My girlfriend and her mom have a JOINT credit card. Her mom opened this credit card with her when she was around 16 in order to help build up her credit. Now shes 24 years old.The problem now is her and her mom are no longer on speaking terms. Mom is narcissistic, and horrible with money. Her mom charged 5k on the card for some furniture last year, and never paid it off. My gf noticed it when checking her credit score, and has paid off 3k of it so far. The mom wont pay a dime of it. Says my gf owes her for raising herMy gf went to the bank today to remove herself from the account. But because its a JOINT account, she cant do anything without her moms approval.They said that the cards debt has to be paid off first, and THEN it needs her moms approval to close down. My girlfriend fears paying off the debt, and then her mom accumulating EVEN MORE debt and the cycle starts all over again. What can she do in this case?Her mom wont contribute to paying off the credit card. My girlfriend has already opened her own cards, and is thinking about doing a balance transfer to get the card down to 0. The issue we have is theyre saying she wont be able to remove herself from the card without her moms consent. You can imagine her mom wont give her permission since she likes the thought of having a credit card that her daughters paying.Any thoughts or advice would be appreciated.  <response>: If its truly joint, she should be able to close the account herself.More likely is that shes an authorized user. She can request for the credit card company to remove her as an authorized user and then it should disappear from her credit report. 