No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
not sure what i would do,, i would b upset that is 4 sure
The first question is? Why did your mother do this?
What your Mom did is considered fraud. You can't be legally held responsible for her charges. I would talk to her immediately about paying off the account so you can close it and if she refuses you'd have to consider legal action. It's tough to do something like that when you are dealing with your Mom, but it's a slippery slope to the destruction of your credit.
@lithium78 wrote:What your Mom did is considered fraud. You can't be legally held responsible for her charges. I would talk to her immediately about paying off the account so you can close it and if she refuses you'd have to consider legal action. It's tough to do something like that when you are dealing with your Mom, but it's a slippery slope to the destruction of your credit.
+1. You may also need to get a police report as it's not only fraud, it's also Identity Theft.
In addition, I'd immediatley put a fraud alert / security freeze on all the CRAs. Letting them know you've been a victim of identity theft (which is why you may need the police report).
In certain cases, and this isn't legal advice (see the disclaimer in my sig), if you know about the fraud and fail to report it, you may become an accessory and be liable for it anyway.
-SM
Edited to add: P.S. It sucks that your mother is the one who did this to you, but it really doesn't matter why... when it comes to finances, the emotion needs to take a back seat, or you're in for a really rough ride.
Also, if you get it popped, you CAN get credit. There are plenty of starter cards for people with no history.
I'm not sure why she did it. I don't think it was to be malicious or hurtful towards me. Just poor decision making, which seems to run in this family when it comes to finances. I was hoping to resolve this situation by allowing her to keep the card open in a way that it could help my credit score. But the general consensus so far is to have her cancel it and open a new one in my name. I'm flying home next week for a family celebration, but looks like my mother and I will need to have an awkward conversation
Why cancel the card? Why not just take control of the account, and no longer let her use it? Get rid of any cards in her name, maybe even call them and tell them you lost your card and want one with a new card number on it issued to you.
@lithium78 wrote:What your Mom did is considered fraud. You can't be legally held responsible for her charges. I would talk to her immediately about paying off the account so you can close it and if she refuses you'd have to consider legal action. It's tough to do something like that when you are dealing with your Mom, but it's a slippery slope to the destruction of your credit.
legal action for a $300 balance! sorry no.
I probably would not allow her to continue to charge on it though, the fact that she needs your credit to get a card and a card that only has a $500 CL she is not able to pay off in full each month shows more issues if you ask me.
but since the credit you have appears to have some issue too not sure you would be able to get this cu to go higher on the limit. pay it off and leave it open.
I know how you feel, my mother opened a cable acct (without my knowledge) using my SSN, the acct went to collections cause we moved and I didn't know that until I saw my CR... I did take care of it (without knowing about the PFD deal) so now it's sitting there on two CRs, I've been trying hard sending GW letters to get it removed but no luck so far. Hopefully you're able to fix your CC issue!