You shouldn't take advantage of your kids.
Cindy has bad credit but wants to apply for a clothing store's credit card, and signs up in her daughter Chloe's name without permission.
Cindy wants to tell Chloe about the credit card.
Cindy apologizes to Chloe for what she did and promises to close the card once it is paid off.
After promising Chloe to pay off the card on time, Cindy continues to shop for clothes while ignoring every credit card bill.
Chloe's credit goes unharmed and Cindy never betrays her daughter again.
Chloe's credit is ruined immensely.