I was a supplementary card holder and my sister was the primary card holder. She moved to the US and due to Financial constraints she were unable to pay her credit card to which I was teh supplementary holder. I did not care back then because I never use it anyway. Now,i appleid in BDO and RCBC credit card and I got rejected but they wont tell me why. Is this the reason? Can I be obligated to pay my sisters debt even if i am only a supplementary card holder. Will I be on the CMAP list? How do I rectify this?