<prompt> Human: I am 20 years old. She uses them and pays them off. But i was just wondering if its ok for a student to have so many credit cards. Like does it have any negative effects?  <response>: The fact that she is using your name to open them indicates that she may have an issue obtaining credit on her own, which implies that she is bad with paying her debts. Get your free credit report from one of the three credit bureaus to see what exactly is going on. 