spuddie57 asked:


I was contacted via phone this evening from a lawyer regarding a credit card debt that I believed to have been paid off by my ex husband, whom I divorced in 2000. The woman would give me NO details other than to say it was in my name and told me I had to contact the bank I had the credit card with for answers. I requested a copy of my credit report and sure enough it was there, the account was opened in 1998 and then it shows it being charged off in 2002 yet tonight was the first time anyone has ever contacted me about it. I honestly cannot remember if I signed the credit application or not; my ex opened alot of accounts without my knowledge and I was listed as an authorized user but according to the credit report this account was joint. I just want proof that I signed a credit application; do I have the right to request such proof? I told the woman that called that I am disputing this matter; she aruged that the account is in my name but I know it isn’t. What can I do?

Angela

Deak asked:


I’m underage (16) and I got to thinking about people my age who have credit cards (and not with their parents account/consent). They’ve lied about their age on the application. Is there any punishment for this? Does anyone find out? Could a minor really get into trouble for this? Can’t you just pay off the card?

Alan

Mickey D asked:


I’m a college student, and there are lots of guys around campus giving away free sandwiches if you fill out credit card applications. I’ve filled out a couple with totally false information because I really needed those sandwiches. Can I get into trouble for this? I DO NOT want a credit card, but I DO want sandwiches.

Sandra

samaxius asked:


I applied for a credit card, but my application was declined with no reason given. I assume they have searched a credit agency. What will this have done to my credit file and will it affect any future applications?

Derrick

advait0 asked:


I have credit cards already, but I am in a unique situation. I am 20 and living on my own but with my parent’s income. I recently got an American Express application and when I called to ask about what I could put in the household income field, I was told I could include my parent’s income. Is this true?

I do not remember on some credit apps if I put my parent’s household income or not, because I was never sure and was living on my own. I have put my income as how much I regularly get a month from my parent’s.

Is this borderline fraud or is this typical? No one really explains it clearly.

Troy

Samuel asked:


Im not stealing it hes my son …I have terrible credit I want to start over….How would I get caught?

Doris

pontiac asked:


I’m a veteran and receive a housing allowance for school. I live with my parents so I don’t pay rent. Will that income count for a credit application? If my application is denied, do I get to see a free copy of my credit report or score? If it makes any difference, I will be applying for a 12 month loan. Thanks.

Jeanette

BillG asked:


I get a check from the government every month. Could I put that down as income on a credit card application?

Virginia

justice4all3000 asked:


I applied for a credit card with a bank it was declined I want to go through another bank with a slightly different application would the other bank be aware that I have recently be declined by the other bank?

Ana

Joe asked:


I applied online yesteray for my first credit card and they said I would get a response within 30 days. Why does it take so long? Is it because I have no credit and it was a student credit card? Also, I said I had both savings and a checking account but right now I only have a savings but will be getting a checking account on Saturday. Is it ok that I said I had both a checkings and a saving? Will it make them reject my application? Are they eager to give a credit card to someone like me, a young person likely to give them money for interest? I am just anxious about the whole thing. I am going to be responsible with it because I am careful with all my money.
also I didn’t know what they meant by residence when they asked rent or own? do they seriously expect me to pay for rent at this age? So I selected “Other” and put zero paid month;y for my residence because that is what I pay, I mean I help my mom out sometimes but thats it.
lol iceman, I said I made 6K a year because that is what I made in 2005
well it was labled a student credit card….being wary should be expected of them if they think this.
yeah it was CHASE
what is the purpose of advertising student credit cards then?? they are designed for people like me who have no creidt. thanks for not answering my question.

Carl