 Closing a credit card? |
| I have a few credit cards, 7 actually most of them i owe nothing on. they are the store ones, target, victoria secret, american eagle, old navy, kohls, jcpennys, and express. will it hurt my credit ... |
|
 I want to get credit, how do i get a card? |
| I want to get a credit card to get credit. Of course every time i use it, im going to send the payment in THAT day so i don't do the opposite and ruin my credit. But im only 24, I don't own ... |
|
 Serious!! pls advice? |
| can i be sue in court if i owe people money but i didn't sign any IOU. will i hav a crimminal record or will this affect my credit report??... |
|
 Could i get this on ebay with a check? |
http://cgi.ebay.com/NEW-
i dont have my own checks with my name on it but i ... |
|
 How do i prepare myself to get my first credit card? |
| i just turned 18 and have no credit and have never applied for a credit card because I was told if i applied for alot of credit cards and got denied it would lower my credit score. So what should i ... |
|
 I have a £2K overdraft with Lloyds TSB which they want back by Nov 26th, 2007? |
| Hi, I have had an overdraft with Lloyds TSB for a few years now, totaling £2000. They now want to take it back on the 26th November, 2007. However, financially I am not able to pay it back right now ... |
|
 Does any one know how i can get a loan i need to buy this trailer for my kids i need 5,000? |
| a fresh start for my family and I in a new town just what we need but we can't seem to come up with the money right now we can make a payment we just finished paying off his van 4 years of 450 a ... |
|
 I got charged $130 for a couple roast beef sandwiches at Arby's, best way to get my money back? |
| I swear I'm really not that fat that my Arby's bill is 3 digits. I did go there (my card isnt stolen) but the charged amount is wrong.I called my credit card company and I have to mail in a ... |
|
 Do u own a credit card? |
because at 28, i dont at all.
i still use cash. is that bad?... |
|
 Getting a Credit Card under Sons social....? |
| I was wondering if anyone knows if you can get a credit card or any other type of credit under a person child's name and social if the child and one of the parents have the same exact name? Does ... |
|
 How do the credit repair companies fix your credit? |
Iv'e heard they send letters but how can I learn aboutit to do this for myself and my friends and family?
only serious answers.... |
|
 I am tired of interest charges being like a loan shark charges in the USA. Who agrees? |
Finance charges are so horrible in the USA. They will never go down.
Additional Details
For those who claim I am a dumb blond. I only owe for my home. 3 acres 4 bedrooms, 2 bath, Over 25... |
|
 Using cash or credit card for gas/groceries? |
| for gas and groceries-do u charge or use cash?... |
|
 How to get a loan teenager? |
| im 16. have already graduated. have full time sales job and part time weekend job. i have enough money to afford a nice truck payment. how do i get a loan, when my parents have bad credit and cannot ... |
|
|  |
la_droopy_1369 | At age 15 i got a Target card without my parents consent. Now they want me to pay $1000 dollars.? |
Am i liable for paying the $1000 dollars? I was under age.
Additional Details
Im 21 now and i only used it like twice when i was 15. this happened when i was living in California |
 |
 
csfd531
|
well that's a tricky question. did you lie on the forms about your birthday ? they could report you for fraud or file charges on you for fraudulent attempt to gain credit or misuse of it. but it depends on what state your in. they could take you to court a get a judgment on you and garnish your parents wages. but if you didn't lie about your birthday.it will just show on your credit report for 7 years. |
|
randita22
|
no you can not be held liable but not paying it is not a very noble thing to do. |
|
Greg
 |
You really need to consult an attorney. Normally, a card should never be issued to a minor without parental consent, and if one is, the creditor is usually liable for the incurred costs. Hope that helps. |
|
Valag
 |
Nope. Legally no one under the age of 18 can be contractually bound. It’s their loss for assigning a credit or debit card to you…unless you misrepresented yourself at the time you got the card. Then they can have a judgment rendered against you that would be enforced once you turn 18, but would also accrue interest until that day. |
|
♥so flyy
 |
Legally they shouldn't have approved you for a card. And if they wanted to take you to court for your debt then it would fall on your parents. |
|
Mama Pastafarian
|
Your parents will be liable for the charges.
Are you now over 18? Have you used the card since you turned 18? If so, you have essentially made the contract legal by using it as an adult.
Did you lie about your age on the application? That could bring charges of fraud against you. They'll be less likely to do this if someone (your parents) pay the money they are owed. |
|
sinurgy
|
You are likely liable but the more important issue is how old are you now? If this debt is from a few years ago and you haven't been paying the minimum each month, it's likely been charged off (basically the issuer wrote off your debt as a loss). Get a copy of your credit report and find out if it was indeed charged off. If it was then forget about paying it because the damage to your credit has already been done and paying it off won't change that. It will be stuck on there for 7 years!! If it hasn't been charged off then you are better off paying it!
btw...if you are being harassed by a collections company, just ignore them, no matter what they try to tell you, they can't do a damn thing. All they can do is harass you! |
|
lilbch7151
|
your parents are liable now. get ready for it. i hope they are reasonable parents |
|
Chocolate_Bunny
 |
yeah..... |
|
romulin
|
It is illegal to enter into contract with a minor. No you do not have to pay. |
|
jd
|
Legally, your parents would be, but they (your parents) can press charges against you. Maybe you can get a Summer job and help pay your parents back. |
|
serenitynow
|
How and Why did you get a credit card. You should pay everything you have purchased. |
|
iainsmith8
|
If your parents did not sign then they are not liable, also being under 18 the card company have no contract with you so you are not liable either. |
|
Mrs D
|
Im not sure about the laws in your country, but I would imagine you could threaten them with going public that they gave a minor a card without checking proof of age, or gaining parental consent. You could quite possibly bluff your way through it, but remember, honesty generally wokrs out better in the end, so if I were you, Id be telling the oldys before they find out another way. Although they will probably rant & rave about responsibility, they will eventually realise that you had a certain level of maturity for you to approach them with it first. I dunno, I never got along with my parents but good luck, what ever happens :o) |
|
Dr Christian Troy
 |
you should have put it under your cat's name. i heard in England some guy's cat got offers for a credit card and they sent it to him.
the cat has a credit card!
life is good!! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
16 | 24 minutes(s) ago
| | | |
14 | 53 minutes(s) ago
| | | |
14 | 58 minutes(s) ago
| | | |
15 | 3 hour(s) ago
| | | |
16 | 7 hour(s) ago
| | | |
14 | 8 hour(s) ago
| | | |
13 | 1 day(s) ago
| | | |
15 | 3 day(s) ago
| | | |
14 | 4 day(s) ago
| | | |
15 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
