Why does the name change to my dad's name when I use his credit card for downloads?

I have an iPod touch. I have my own apple ID and icloud account. Why does the name change to my dad's name when I use his credit card for downloads? Is there a way I can have my own account and use my dad's card without having his name on my photostream and icloud?
I went on icloud.com and changed my name but it changes the credit card name to mine as well so I can't get apps unless its under his name, but it confuses everyone i share photo streams with, as there are two of my dads?
My aunt is having the same problem with her photostream, so I know its not only me.

I have this problem and it's annoying.  Plenty of people in this world do not pay for their own stuff!.  So i have 5 kids.  All there accounts show as my name when people add them for Photo streams etc etc.  This is ridiculous.  Why not seperate billing address / credit card details to the name of the person on the account?  Why do they have to be the same?

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