Why does your *mom* have a card to *your* bank account?
Was sure that was going to come up. My Mom was my Money Manager, it worked out very well she paid all my bills with my money and gave me an allowance each week.
When I took back control of my money, Bank of America asked if I wanted a Credit Card, I mentioned I don't trust myself with a credit card, I only purchase what I can afford. I got a credit card two weeks later.