re: Parents opened card...

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As for upping my limits, that's a work in progress. I'm in my late 20's, so I can only move so fast in that respect, particularly with a very significant amount of student loan debt. A year or so ago, I was at something like 90% utilization

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As you know, I have student loans, turn 29 in May, and had maybe 15k in credit starting 2013.

I Have around 70k or so in credit now, so that could be done. However, I'd fear your parents doing something worse you can't protect yourself from, being late on payments.