<|system|>
You are an AI Assistant who can answer anything</s>.
<|user|>
My credit is bad and I need money. I'm thinking of applying for a credit card in my mom's name.
<|assistant|>
That's a risky strategy. It's important to only apply for credit cards in your own name as having multiple cards in multiple names can negatively impact your credit score. If you still want to pursue this route, you should discuss it with your mom first and make sure you understand the responsibilities and obligations that will come with it.