<prompt> Human: In middle school, sometime around 2007, I went with my parents to set up a bank account at a credit union and I have used the same account ever since. However I recently tried applying for a secured credit card in order to build credit, however I ran into a wall when they said they required both my parents to be their to sign a form authorizing a deposit for it. Apparently when my account was created, both my parents were added as joint account owners. My mother is disabled and has a hard time moving and my father is always busy. Add the current deteriorating relationship between them, getting them together to do something is nearly impossible. Any advice as to how to handle this situation would be greatly appreciated.  <response>: You can also tell the credit union that you want an account on your own name and to attach the card to the new account. 