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? asked in Politics & GovernmentLaw & Ethics · 1 decade ago

Can a credit card successfully sue someone who obtained the card at age 17, with no parental co-signer?

My age was changed at the dmv to 18 when i was still 17 and a credit card company sent me an approved credit card. I maxed it out at 17 years old and never touched it while I was 18. Now they are sueing me! Will they be successfull?

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  • 1 decade ago
    Favorite Answer

    Yes, they can be successful.

    Even though a minor cannot enter legally into a contract, once you turned 18 you made the contract legitimate by not cancelling it within a reasonable period of time.

    Essentially, once you turned 18, the clock started ticking. By not cancelling the contract, you have endorsed it as an adult who is legally able to enter into the contract.

  • Anonymous
    1 decade ago

    Yes, they can. Since you are now 18, and did not withdraw from the contract after turning 18, the contract is ratified and valid.

    Also, you will be in major trouble if the DMV discovers that you lied about your age. So I suggest you settle this matter with the credit card company.

  • 1 decade ago

    I think that you have to apply for a credit card. I've never heard of a company sending out cards. How would they know anything about you if you didn't apply? So, when you applied for the card you lied about your age right? You had your driver's license with the wrong date but you used that to defraud the credit card company. They SHOULD sue you and win!

  • 1 decade ago

    They may be successful. I remember reading a case in contracts class in law school in which a minor bought a car and was later sued by the dealer for failing to make payments and the court said that even though he was a minor he was acting like an adult when he entered into the contract to buy the car and therefore could be sued like an adult.

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  • 1 decade ago

    No. Since a credit card is not alive, it can't sue anyone.

  • Anonymous
    1 decade ago

    They are unlikely to succeed, but they could still ruin your credit.

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