<prompt> Human: Hey all - this is kind of weird. I have a Discover Card dating back to 1986 one year after I was born in good standing on my credit report. Ive not really cared about it in the past, as I thought it was an old account, but that doesnt appear to be the case. There is a balance of 1200 or so, but nothing due so my credit report says. The last payment was July 2017. I dont want to confront my dad about it, but Im not sure what the deal is with it. Theres no derogatory marks. About a decade ago, he once offered Discover cards to my siblings and I that were apparently linked to his account. I never used it. Is this the case here?Could I just contact Discover for a new card and pay it off? What do you all suggest? Were on good terms, but I dont want to confront him and seem like Im accusing him of anything. Nor do I want to contact Discover and cause him hassle.  <response>: Most likely, especially if the card is in good standing, youre just an authorized user. You can check this under the Responsibility field for the card on your credit report. If its authorized user, your data is just doing you a favor - he is responsible for all debt on the card, but its history still shows up on your credit report.Edit: Also to note, if he added you as an authorized user a year ago, the entire credit history will pop onto your credit report - thus looking like it has been there since 1986. 