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i went to buy a sweater at macys and the lady’s all like” Would you like to appply for our credit card?” and i was like, ma’am, I’m underage” and shes all like “yeah, you can still apply” and i said no lol, but why did theyt do that? is it even legal? If i would of said yes and gotten the card, would i have gotten in trouble?

5 Thoughts on why was i offered a credit card?
  1. Reply
    May 30, 2013 at 7:53 am

    She didn’t know what she was doing. No minor can enter into a legal contract, so when you filled out the application you would have been denied.

  2. Reply
    Effyouseekayy E
    May 30, 2013 at 8:41 am

    what’s the big deal?

  3. Reply
    May 30, 2013 at 9:07 am

    You can get a credit card, but there is no legal way for them to make you pay. As stated above a minor cannot enter into a legal contract.

    However, if you do get a credit card and do not make your payments it will have consequences to you credit rating which would make future credit cards, loans, security clearances, jobs, etc. difficult or impossible to get until your credit is repaired (difficult to do).

  4. Reply
    May 30, 2013 at 10:05 am

    yeah you probobly would have gotten in trouble. that lady was a moron. you should like call the hotline and thell the about her. i got sent an AARP insurance card once. i was like wtf?!? im not 65!!

  5. Reply
    May 30, 2013 at 10:27 am

    You could’ve applied for it and you would not necessarily been denied. Usually underwriters expect the ones taking the applications to verify age and even if the underwriting is done automatically, they may not have guards in place to prevent minors from getting cards(You’d be surprised how many do)

    You would not have gotten in trouble for applying or accepting the card if you gave your true information.

    If you did default on the card while you were a minor, they could not reflect that on your credit unless you defaulted after you were a minor because you cannot legally enter a contract as a minor without your parents written consent and agreement.

    Either way, it’s really best you said no. She was in the wrong to say it was ok, it’s not. It’s not ok on Their end though, not something you did. But believe me, You don’t want to start with debt this early. First research how to use credit before you turn 18 because after that, there’s no protection and every credit card company will want to give you credit.

    Learn early and your early 20’s will be a lot better, credit is tied to almost everything in your life and ruining it early really sucks

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