<prompt> Human: I recently found out my mom has been using a credit card thats in my name. Im a recent college graduate and just started my first full time job. While I was in college my parents gave me a credit card they explained where they were on the account in order to give me some extra funds while I was away at college. After finding out I maxed out my credit card as my parents werent paying the bill I completely stopped using it. At that point my parents told me they would pay off the balance. Instead, I found out my mom requested a new card in my name without my authorization and has been using the card ever since. She repeatedly pays off a small portion of the overall balance letting her continue to use a credit card I feel at my expense. I dont want to pay off the balance which is around a grand because my parents initially told me they would, and I would be paying for their expenses at this point. What should I do and is this negatively affecting my credit? Please help!  <response>: Go to the bank and cancel the card. Pay off the full amount. Go to your house and get every piece of Identification that they have for you. Get all paperwork. Change your passwords. Tell them to never do that again. It is fraud. 