<p>I have credit cards where I jointly applied with the kids. They have a card in their name as do I. Statements are mailed to our house, but they can view on-line. I never use the cards, so all the charges on the cards are the kids. IF they kids pay timely (they view statements online), I don’t get any statement because there is a zero balance. It has worked well for me and them. When I do get any statement, I call them to confirm that the charges were in fact made by they. The few charges they have made were all very minimal and I was fine with paying.</p>