Chances are you're either simply an "authorized user" on the account, (in which case no credit is actually reported on your name) or she co-signed and has great credit.


Spend wisely. My first was through my bank in the amount of $1000 I am intense about my credit, always pay on-time etc. Believe me it pays off when you want to finance toys/cars/house/etc.

Now I get offers everyday for fixed 5% cards etc.