My parents opened a credit card in my name and now I have $30k in debt.
My parents gave me a credit card with my name on it while I was in high school. I used it over the years for small things like ordering food and ubering to and from college. These weren't big purchases though, everything adds up to maybe $5k over the last 5 years.
Recently, I started paying attention to my credit karma since I'm trying to move out and its balance is over $30k. I don't know how this happened and when I spoke to the company they said they couldn't see anything that could add up to that. I pressed and they said they couldn't email me my transaction history since the card I gave them isn't the primary account.
I'm very confused and frightened. I was beating myself up because I thought I was being irresponsible but it sounds like there's another card in my name. Especially so since the card I have is a different type from the one listed on credit karma (same company).
I'm not sure what to do since my parents will definitely yell at me for questioning them if I bring it up, but this is my future and I need to understand the full picture if I wanna make something of myself.
Edit: Thank you to everyone who replied so quickly. From what I understand, since I am "an authorized user" I'm not legally liable for debt under that card even if it's attached to my ssn. That's a huge relief. This explains why I'm unable to get cards from other companies for myself and why I haven't heard back from relators for apartments. Thank you all so much. I'm going to research more about this going forward.