What I'm talking about is getting away from the credit swamp altogether. You cannot borrow your way out of debt.
Instead of dragging Mom into the mess and exposing her to risks/ripoffs, why not get out of the situation completely. If Mom is feeling generous, a no strings attached GIFT is the best response. Mom is not tied to any debts, Mom understands that repayment is not expected, Mom sends a message that she cares but won't enable. You eliminate one credit card instead of opening another. You don't have to worry about fees, interest, or other got ya's. Maybe daughter learns a lesson.
SoulAssassin.....perfect avatar there buddy!!!