Credit Card Question.. - GoFuckYourself.com

Mr Cashman 23 · 01-24-2007, 04:54 PM

i have bad credit that I am currently trying to fix. The bad credit comes from when I was sixteen years old, they gave me a credit card with a $200.00 balanace, I used it and never paid it. Why would they even give a 16 year old a credit card? is that even legal? and I am 24 now, so 7 years is almost up. What can I do to fix this?

EscortBiz · 01-24-2007, 04:55 PM

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EscortBiz · 01-24-2007, 04:55 PM

http://www.gofuckyourself.com/showthread.php?t=697516

Mr Cashman 23 · 01-24-2007, 04:57 PM

yes, but I am just curious about the 16 year old thing, I was 16 when they gave me the credit card is that legal?

DateDoc · 01-24-2007, 04:58 PM

If they gave it to you when you were 16 you should be able to get out of that debt as you were a minor. Did someone co-sign for it?

Mr Cashman 23 · 01-24-2007, 04:59 PM

I don't really remember but from what I can remember I highly doubt it, didn't really have anyone to co-sign for it.

DateDoc · 01-24-2007, 05:07 PM

Quote:

Originally Posted by Mr Cashman 23

I don't really remember but from what I can remember I highly doubt it, didn't really have anyone to co-sign for it.

hmmm, didn't really? Did you say you were 18 to them. Did you fill out an application to get the card? If so was any of the info on the application false?

DateDoc · 01-24-2007, 05:12 PM

Also, check the state law for your state. Here is Montana's where they say you would not be liable for the debt:

31-1-115. Issuing credit cards to minors -- collection of debt. (1) An issuer of a credit card or similar loan advance access device may not issue a credit card or similar loan advance access device to a minor, as defined in 41-1-101, residing in this state without first obtaining consent to the issuance from the minor's parent or legal guardian.
(2) An issuer of a credit card or similar loan advance access device that does not receive a parent's or legal guardian's consent, as required in subsection (1), before issuing the credit card or similar loan advance access device to a minor may not collect in this state from the minor or the minor's parent or guardian any debt incurred by the minor through the use of the credit card or similar loan advance access device.

01-24-2007, 04:54 PM	#1
Mr Cashman 23 Registered User Join Date: Feb 2006 Posts: 145	Credit Card Question.. i have bad credit that I am currently trying to fix. The bad credit comes from when I was sixteen years old, they gave me a credit card with a $200.00 balanace, I used it and never paid it. Why would they even give a 16 year old a credit card? is that even legal? and I am 24 now, so 7 years is almost up. What can I do to fix this?

01-24-2007, 04:55 PM	#2
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01-24-2007, 04:55 PM	#3
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01-24-2007, 04:58 PM	#5
DateDoc Outside looking in. Industry Role: Join Date: Feb 2005 Location: To Hell You Ride Posts: 14,243	If they gave it to you when you were 16 you should be able to get out of that debt as you were a minor. Did someone co-sign for it? __________________

01-24-2007, 05:12 PM	#8
DateDoc Outside looking in. Industry Role: Join Date: Feb 2005 Location: To Hell You Ride Posts: 14,243	Also, check the state law for your state. Here is Montana's where they say you would not be liable for the debt: 31-1-115. Issuing credit cards to minors -- collection of debt. (1) An issuer of a credit card or similar loan advance access device may not issue a credit card or similar loan advance access device to a minor, as defined in 41-1-101, residing in this state without first obtaining consent to the issuance from the minor's parent or legal guardian. (2) An issuer of a credit card or similar loan advance access device that does not receive a parent's or legal guardian's consent, as required in subsection (1), before issuing the credit card or similar loan advance access device to a minor may not collect in this state from the minor or the minor's parent or guardian any debt incurred by the minor through the use of the credit card or similar loan advance access device. __________________

01-24-2007, 04:57 PM	#4
Mr Cashman 23 Registered User Join Date: Feb 2006 Posts: 145	yes, but I am just curious about the 16 year old thing, I was 16 when they gave me the credit card is that legal?

01-24-2007, 04:59 PM	#6
Mr Cashman 23 Registered User Join Date: Feb 2006 Posts: 145	I don't really remember but from what I can remember I highly doubt it, didn't really have anyone to co-sign for it.