While these people are generally loan and credit risks this doesn't seem outside the realm of possibility based on financials alone to me. I have an 18 y/o niece w/ a 15k credit line on one card all in her name b/c her parents helped build it. I could take an obscene amount out in loans if I chose to myself. I have no confidence that I could max out my credit limit an pay it off b4 the interest killed me. I'm older tho now, and after years of paying off the card more months then not they want to offer me obscene amounts that I don't want responsibility for. Ya dig? They'll always up the temptation b/c it's more profitable for them overall to bury most people in debt rant was unrelated really. Put that troon down. Defective from day 1 if you believe the story it spits