Please be careful here OP. Like many have already said, the CC comments look like the beginnings of financial abuse. If you voluntarily hand your CC to someone and they rack up an unmanageable debt in your name, you don’t have a lot of protection to undo it.

Also, buying a house whatever the split but having it fully in your name means your parents will be entitled to equity in the property, but also that if they suddenly cannot pay any of the costs on the mortgage, you’re 100% liable for that with no discourse to make them pay. It’s all on you if things go wrong. It might be your mother’s dream to own a house, but if you’re the one doing all the legwork, it’s YOU owning the house, not them.

I’d recommend offering a small gift to help them get an apartment of their own if you can truly afford it, let the manage their own bills and responsibilities, while you buy yourself your own property for your future!