Legal Question in Credit and Debt Law in Illinois

''Teens and Credit Cards''

What happens when a teenagers under the age of 18 gets or applies for a credit card (not prepay) with or without a parents permission? Is the parent(s) held responsible to the credit card account even if the teen agree to pay the account balances? Is it illegal for the teen under the age of 18 to apply for a credit card or get a credit card?


Asked on 5/04/06, 11:35 am

2 Answers from Attorneys
Kevin Plachta The Law Office of Kevin F. Plachta

Re: ''Teens and Credit Cards''

The other issue is how did a minor obtain the credit card. This could be a situation of credit card fraud and if that is the case then the credit card company may have a claim against the teen.

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Answered on 5/08/06, 8:36 pm
Amil Alkass LAVELLE LAW, LTD

Re: ''Teens and Credit Cards''

It is my understanding that persons under the age of 18 cannot enter into a contract. It is also my believe that parents would not be liable under the contract entered by the minor, except for purchases that were deemed to be necessities.

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Answered on 5/04/06, 3:23 pm


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