<prompt> Human: About 7 months ago I open a new account at Wells Fargo, and with that my dad also opened a credit card with me consenting to this. My mom warned me not to use it, but when I need a car repair that my dad promised to pay he instead used my card. He promised me he would pay it back and to this day he still hasnt. He also got me a toll tag and is paying for it through my credit card promising to pay it back. Im not Scott free however as I have also used it to get it maxed out, but a larger amount is from my dad. Right now he is paying the minimum every month, and my credit is deteriorating. I finally got a job and want to make a budget to get my finances in check as I only have a year left in college and I want to be on solid ground once I do. I told him I want to cancel the card today and he tells me hes just doing something nice for me and if I cancel it he going to damage your credit. He also promised me 500 to pay it off if I keep it, but I really dont believe him. What can I do in this situation? What are some protections I can do if he does open things in my name we have the same name so Im really worried he will? Thank you Im really worried about this whole thing and appreciate any advice I can get.  <response>: closing a credit card can result in lowering your credit score. however, irresponsible use of a credit card will cause more damage to your credit score and your financial life. you seem to be looking for an answer that will avoid drama or confrontation with your father. there is no such answer. the two options are: 1. put a stop to this irresponsible financial behavior, and risk an argument or confrontation with dad. 2. wait for your father to ruin your credit score and accumulate bills that you are responsible for paying. those are your two options. I recommend 1. do whatever you prefer. 