<prompt> Human: Okay so this situation is a little confusing and complicated. I need some help figuring out what to do. First off, my mom is already in prison and has been for the past few weeks, and is not getting out anytime soon. Second, I am kind of taking care of her finances and stuff right now. I was left with her wallet and her account passwords, etc. Now here is the situation...I found out today she opened up a credit card in my name. It has 3,000 racked up on it. It is a Chase Southwest airlines rewards card. She opened it in my name, without my permission, apparently right before we went to the Bahamas. She used the card for part of the trip which means I got the rewards from. Let me remind you I am only 21 so its not like I have a handle on how life and finances quite work yet. She told me after the trip that she was able to put rewards under my name when she booked the trip which I still had no idea was booked under a CC she put in my name. I am currently leaving for Mexico in a few weeks, where I used the airline points for the trip that were from going to the Bahamas with her. She clearly paid off some of the card but kept charging things on it even after this trip to the Bahamas so thats why there is 3,000. What do I do? I know I need to report it as fraud because I dont have 3,000 to pay off what she has accumulated. Which obviously breaks my heart because now she will be in prison for even longer. If I report it as fraud are they going to try reversing those points that I booked this flight to Mexico on and make me pay for the flight now? If thats the case, I might as well just keep the card and pay off the stupid money my mom put on it. Someone help. I obviously dont mind keeping the card but I also REALLY dont have the extra money to pay off what she has done. Also, my dads cards are completely different but she created 4 cards in his name and he has about 15,000 so thats getting reported for fraud too because he also doesnt have that money. Assistant: I feel like by booking the trip to Mexico using the points, you admitted you knew about the card. I dont think you have any ground to stand on.Human: But I didnt know about the card. Im only 21. I have never booked a trip on my own. She told me I had points so I was like okay awesome. I didnt know that meant I had a credit card that she used under my name. The trip to Mexico used the points but it didnt use the card because I didnt know about the card until today. Assistant: Hm... I guess thats true, you can have a rewards account and accumulate points even without their credit card. Just the way you worded your post made it seem like you knew about it when you booked the Mexico trip. So I would just be careful of the way you explain it.Human: Sorry. Was trying to make it sound clear. I literally just found out about the credit card today. Thanks. Assistant: Well the good news is that Southwest has no cancellation fees, so you will be able to cancel the Mexico flight and report the fraudulent nature of card usage.Human: I have already paid wayyy too much on other things to go to Mexico so its not getting cancelled. If I cant report it without them removing the BS charges she put under my name than I will just pay it myself. Im just not happy. I dont understand how the courts can hold me paying it off when I knew absolutely nothing about it.  <response>: There are no easy way outs here - You either report the fraudulent usage or pay it off yourself. Best of luck.Get a creditkarma account immediately if you have not done so already. There might be other fraudulently opened cards in your name. 