If you don’t want to lend it to your mother, then just refuse it to your mother! Anyway, it's easier to talk to your mother, and it doesn't matter if you're direct. Your mother won't have any other ideas about you.

Credit cards are meant for personal use. When using a credit card, your signature must be yours. Once it is found that someone other than yourself has used it, some shopping malls will simply refuse to swipe the card. This situation is very common because you are afraid that your card has been stolen. If you meet a more responsible cashier, they will also ask you to show your ID card for verification, or ask you to memorize your number to verify that you are the person.

You can tell your mother that you have received some notifications from the bank and found that your credit card is not used by you and will be frozen. Give your mother a detailed introduction to the requirements for using credit cards, and tell her that it’s not that you don’t want to lend it to her, but that lending it to her may be risky.

If your mother can’t make sense, you can also accompany her when she needs to go shopping and help her swipe her card; or give her some pocket money so that she doesn’t have no money to spend. , since she has money herself, she probably won’t ask to borrow your credit card again.

If you think these methods are not good, it will make your mother have other ideas or continue to borrow your card. Then cancel the card, don't want this credit card, and tell your mother that you owed too much before and don't want to use this credit card anymore. Anyway, if it's gone, she won't be able to borrow it if you don't use it.

When everything is over, you can secretly apply for one yourself. Your mother won’t keep an eye on you 24 hours a day. Anyway, opening and canceling a card is very simple.