<prompt> Human: I am a college student. My mom made credit cards for me and for her as well to get pointsmiles, from chase and amex and whatnot. I trust her and I know she pays off everything but I just always thought its not good to have a lot of credit cards.  <response>: Yes its fine, but its probably NOT wise to let someone else apply for and control credit cards in your name, even if you trust them. In fact, it may be illegal for her to impersonate you on credit card applications. Even if you arent worried, at least start a credit karma account and check it once a month to make sure your accounts are in good standing. 