You shouldn't take financial advantage of your children.
Jill is looking at clothes at the mall but has no money in her bank account.
Jill wants to buy a new coat.
Jill opens a credit card in her name to purchase the coat.
Jill opens a credit card in her daughters name to purchase the coat.
Jill is happy she has a new coat.
Jill finds out and no longer trusts her mother.