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vishal | I used my dad's 2 credit card without his knowledge, and we are receiving bill collection calls, what to do? |
My dad never used those 2 credit cards he just bought them coz like he said they were asking him to get it . I used it to become online member for online game RUNESCAPE for 2months, one month each for one card though no longer i am member of it.
my dad is receiving calls from those 2 credit card companies asking for payment and since dad thinks its some mistake from them since he never used those card he is ignoring their calls. sometimes i receive the call and they say the ammount has rised too much with interests..what to do ? I am scared. will my dad get into any trouble ?
Additional Details
I am scared , i feel like running away and i am literally scared |
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what?
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if you charge something on a credit card and do not intend to pay it off, it is basically the same thing (effectively) as robbing a bank.
and now, you're dad's credit is messed up. if he had good credit before, and now has two delinquent accounts, his credit score probably dropped a couple hundred points. this means that if he needs to get a loan to buy a new car or house or whatever, the interest rate he will be offered is a lot higher.
and yes, you absolutely need to pay the interest. and the fees. do you even realize that because of this, his interest rate on every single credit card that he has has probably shot up to around 30%? and every time he misses a payment, they probably are charging another $40 or so? so with two cards, at 30% interest, and with an extra $80 a month in late fees, do you even realize that the $16 that you spent on this game will end up costing more almost $4200 a year from when you started charging it?
tell your dad, hope that he doesn't kill you. you have no idea how serious this is. hopefully, after a thorough whipping, you might get it through your head. |
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md.sophian
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Yeah your dad will definitely get into trouble for not settling is bill earlier amids mounting debts, what you need to do is to inform him and tell him what a prick you have been. |
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Cherry Blossom
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Get your butt ready for a spankin! And yes, you just ruined your father's credit. What an irresponsible person you are. |
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beach_lover
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You need to come clean with your Dad, he will probably be angry but he will prefer that you come clean than run away!!
Yes your Dad can get into trouble and it can cause big troubles for him down the track, you need to tell him NOW because the amount is getting bigger with both interest and late payment fees!
Good Luck |
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winnie
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You need to tell your dad so he can pay those bills. Having unpaid credit card bills will damage his credit rating and make it difficult for him to take out a loan in the future, and if he needs a loan at some point, that could be a pretty big deal. Talk to your dad, apologize and offer to pay him back when you can. Time to step up, buddy.
Edit: It's likely that your dad will have to pay the interest and late fees. Depending on what card company these are from, how long your dad had the cards, how 'good' a customer he's been in the past, his credit score, and.. how the customer service rep is feeling that day, he could ask them to waive some or all of these fees. It's a long shot, and you'll probably have to pay them, and they're getting larger by the day, so the sooner you 'fess up, the better. Just get it over with, rip off the bandage! You'll feel better when it's over, promise. |
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katherine
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You need to tell your father BEFORE his accounts are sent to a collection agency. IF he can pay it off now no long term harm to his credit if it is otherwise stellar. Please you were foolish do not compound that by literally making it so your father could not get a loan. |
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QUIS3
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Yes your dad will get in alot of trouble and most defiantly face massive debt.if your dad wanted to go buy a car or get a cellphone where they have to review your credit your dad would get denied because of his bad credit ffrom the debt he owes from the credit cards...i think it would be best if you told your dad so he can pay it off |
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bdancer222
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Confess what you did. You father has two choices: Pay the entire amount, including interest and late fees or file charges against you for theft and fraud.
What you did is a criminal offense. You could be prosecuted and put in jail. |
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La Vie Boheme
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You need to be honest with your father. Not paying credit cards is very bad. Yes..the interest must be paid..you have no choice. |
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primetime
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dont try to take a so called debt solution from anyone online or whatever else your just going to have to talk to your dad and tell him whats going on and also maybe get a part time job to help pay it off |
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Emma F
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Why did you use your dad's credit card without permission? You need to tell him what you did. He should make you pay them back. Yes you have to pay the interest. You are a stupid, stupid child. Your dad is going to be extremely angry and rightly so. It's time to face the music. |
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ferdie
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Tell your dad the truth about what you have done. You don't want your dad to go to jail, don't you?
He would greatly appreciate your honesty and, hey, what's the worst that could happen to you if you tell the truth? Well, I guess nothing but just kill you...lol
But really, you need to tell him the truth. Don't run away because the problem won"t run away. |
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Crazy Horse
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Man up and pay your bills. You have to take your responsibilities if you ever plan on becoming MAN enough to grow up. You might get your a** chewed, but that's better than being a LIAR and a THIEF! |
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=] Geebee
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Tell your dad the truth and you could also make a deal you will pay him back the money by getting a job or something (he may be easier on you). Either way you need to tell him, and soon before the bill gets too high. |
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mafahiim
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first allow me to tell u a hard truth..
you were a thief when you used them!
second your dad may go into jail if he didnt pay.. it is his fault too that he didnt raise u up as a good person plus letting his cards out of his pocket so u find them and use them..
the solution:
1- u must tell him and by that you learn how to deal with your mistakes in the future and what kind of mistakes you should never do again
2- bear the punishment, and remember it is just a matter of time and you and him will both totally forget this and will turn into a funny memory!
3- go to Katz.cd or btjunkie.org for all kind of games for free ;) and never pay for a software again :)) [kidding] |
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