<prompt> Human: My girlfriends mom just recently opened a joint credit card account with my girlfriend after getting some credit card application in the mail. She didnt ask my girlfriend beforehand. When my girlfriend found out, she told her that she didnt think it was a goods idea, but her mom has been trying to guilt trip her into getting behind it by saying that sheher mom has a bad credit history and that she needs a second chance. If it were up to me I would say just close the account, but I dont think she has the heart to do that. So, what other measures can my girlfriend take to protect herself and her credit from tanking?  <response>: Her mom having a credit card in her daughters name isnt a second chance. Its just theft. Damn dog thats inapprops. 