Parents added me to their credit cards without permission

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benchm
 
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Parents added me to their credit cards without permission

Postby benchm » Sun Mar 04, 2012 1:34 pm

I am 18 years old and a full time student at University. I have no income but make around 830 a month when I am enrolled. (my dad is a veteran and I get money for school from him). I recently applied (and was denied) for a citi forward card. I wouldn't be worried seeing as I have no real income, but their reasoning has me startled a bit. They said I have outstanding credit lines. This shouldn't be the case seeing as I'm 18 and have never had a loan or a card or anything.

Since then I have requested my credit report (waiting) and got in contact with my parents. Turns out a couple years ago they put me on one of their cards without me knowing it. Is this legal? would this affect my credit? My parents have awful credit and are currently filing bankruptcy. My mom says there is no way it should have effected my credit because I was just put on the plan, not a cosigner, but this doesn't make sense. could someone explain?

Thanks guys!


Money card
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Postby Money card » Sun Mar 04, 2012 9:32 pm

On the front of your credit card does it have your name or your parents?

If you have the same first name as 1 of your parents, you need to go into that parents wallet and look at your credit card. If the first names and account numbers are the same all the way through this will be a mess. You will need to go to the credit issuer and discuss this with them.

If the last 4 numbers are different you should cancel, because your card is on your credit report and that persons, like you said they have horrible credit and are filing for bankruptcy. You need to get rid of this card.

If your parents and you have different first names, if their name is on the front of the card, you still need to look at your card and there card again if the account number matches all the way down you need to talk to the bank, store issuer and tell them what you told us and see what they have to say.

If the last 4 digits are different and different first names I would either cancel the card or visit a branch and explain to the person and see what they have to say.

If they are filing for bankruptcy none of your credit cards they added you as a family member can be on your report, the bank will take you down to.

Since your 18 I would suggest using cash or applying for a student card.

Mee and my Dad had a American express gold card, our first names are different and the last 4 digits were different. It was back in 1994. When I got copies of my credit report around 1999 I saw it on there, that's why i'm explaining to you about looking at your and your parents account numbers.

Celestine
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Postby Celestine » Mon Mar 05, 2012 1:05 am

benchm wrote:I am 18 years old and a full time student at University. I have no income but make around 830 a month when I am enrolled. (my dad is a veteran and I get money for school from him). I recently applied (and was denied) for a citi forward card. I wouldn't be worried seeing as I have no real income, but their reasoning has me startled a bit. They said I have outstanding credit lines. This shouldn't be the case seeing as I'm 18 and have never had a loan or a card or anything.

Since then I have requested my credit report (waiting) and got in contact with my parents. Turns out a couple years ago they put me on one of their cards without me knowing it. Is this legal? would this affect my credit? My parents have awful credit and are currently filing bankruptcy. My mom says there is no way it should have effected my credit because I was just put on the plan, not a cosigner, but this doesn't make sense. could someone explain?

Thanks guys!


My two cents....

You would definitely be denied on Citi Forward since you have no income even if you were not piggy-backed on your parents' card.

On your question if it is legal for parents to add their minor children as authorized user. Yes, some banks and or lenders allows it. It is at the bank/lenders' discretion.

That is the problem with piggy-backing to have a credit history. Risk of getting slammed by bad credit history even if you are not the account holder.

On a different note, please don't tell me that you are thinking what I am thinking right now regarding your parents legality of adding you to their card.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

benchm
 
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Joined: Sun Mar 04, 2012 1:00 pm
Location: Ann Arbor

Postby benchm » Mon Mar 05, 2012 1:44 am

Haha, of course not. My parents and I are really close, they would get a kick if I told them it was illegal.

Celestine
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Postby Celestine » Tue Mar 06, 2012 5:16 pm

benchm wrote:Haha, of course not. My parents and I are really close, they would get a kick if I told them it was illegal.


Glad to hear that. Strive to be better and have a better life :D
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln



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