So you need a credit card to purchase the iPhone (and become a new AT&T customer)... So I want my mom to put it on her credit card But my mom is afraid of me not being able to pay my bill (to her in cash). She thinks that if I am unable to pay it and she cancels it, it will have a negative affect on her credit score. Is this true? Is there a way to alleviate her of the responsibility of paying the bill?