<prompt> Human: Im currently a college student, so when I first applied for a Chase credit card one of the most basic ones I got denied. My mom just added my name under her Sapphire Reserve, mostly to build more points from my purchases. I keep track of my purchases, pay her back at the end of the month. This has been going on for several months. She gave me access to her online account a couple months ago so I could verify some of these purchases. What I DIDNT notice back then, is the credit balance on that card over 2000.Now, fast forward to today, Im looking through her Nov statement and I see purchase interest charge.. and Oct. And Sep. And so forth. I shouldve caught this way sooner. Her automatic payment was set to minimum payment and not the full amount. In 2017, she paid almost 400 in interest charge..Ive changed the auto pay settings, plan on checking all her other credit cards statements, and scolded her about not looking through her statements properly. Anything else I should do? Will my credit be affected although Im not the main cardholder?  <response>: You should probably explain to her that the value of any points she earns is way less than the amount she pays in interest. 