Am I wrong for getting a secret credit card?
I’m 21F and a full-time student athlete, so holding down a job during the school year is pretty much impossible for me. My mom helps support me right now, but she constantly drops comments about being tired of paying for me. It honestly makes me feel incredibly guilty and I just want to stop leaning on her so much.
I recently got pre-approved for a Discover IT student card and I’m planning to keep it a total secret from my parents to avoid family drama.
My plan is to use it strictly for basic food and transit during a 2-week out-of-state internship I have coming up in June. That way, I won't have to ask her for a single dime while I'm away.
As soon as I get back, I start a summer job working 35-40 hours a week ($12/hour) I plan to use my check to pay the card back to $0 immediately then just freeze the card and hide it in a drawer for the school year.
I feel like this is a super responsible way to get some independence and give her the financial break she's literally asking for, but I still have this lingering guilt about hiding it.
Am I doing the right thing for my own peace of mind, or is this a bad idea that's gonna backfire? Has anyone else had to do something similar?