momyluvinc asked:


If a credit card company issues a credit card to a 14 year old minor because they can lie on the application, can they harrass the parents about paying the debt? Will it carry over after they are 21 to pay or will the statute of limitations apply to this as well- 7 years and off their credit?”
It was a friends Daughter- she wanted to go shopping- gave her real SS# but her age she entered a false birth date to appear older. I dont know why the credit card company gave her a card, was a 300 dollar limit.

Tiffany

N227 asked:


Well I went to my local MCU bank today and opened an account and I also applied for a 2500 personal loan. I just recently started a new job and my FICO score is 623 the other scores are much lower. I have 2 credit cards and they are fairly close to the limit. What are the odds of me getting approved. Are they really harsh or will they give it to me at a high interest rate?

Terri

Bom-Bom asked:


I ALSO WANT INSTANT ONLINE APPROVALS

Terri

JP asked:


I’m currently tying to apply for my first credit card. I am a college student and I only have a part-time job. Last year I made about $5,000. What do I put on the application under income? I don’t want it to decrease my likelihood of getting a loan so should i put my parent’s income or my own? (not sure if this matters but i’m still considered a dependent on my mom’s taxes)

Johnny

patricia d asked:


im a stay at home mom and my husband works but the application asks for my employers name and number and if we pay rent which we don’t because he is in the military and we live on base. will they deny me because i don’t have a job?
i can put him as an authorized user is that the same as joint application? and we dont know the amount we pay if we do pay rent.

Ray

Beulah S asked:


Got approved for credit card, when I did application (not jointly), but by myself, at the end of application it asked if you would like a second card for a family member to use from same account. I put my daughters name down since she was in high school, and sometimes needed money when she was out with friends. Keep in mind this was a single account, not joint. Well I could not keep up with payments, and the collectors call here asking for me and my daughter. I dont even think I had to use her SS# when I used her as the other family member for the second card. I only think I had to use her name. How could they put this on her, How could this affect her credit if it was MY account???? They call and ask for me and my daughter, shouldnt they only be asking for me?????

Clara

just m asked:


I made an application and now they’re saying this. What should I do?

Jon