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  1. 09-08-2010, 05:18 PM #1
    YankeeMom
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    Default Naughty or Responsible parent?

    Today I threw away junk mail for my oldest dd...for a pre-approved credit card. Yes she's technically an adult (barely turned 18) but she still lives at home and is having a tough time financially. We've talked about the evils of unneeded credit cards and saving for things rather than buying them on credit. I know she has that much info. But rather than expose her to the "pre-approved" credit card when she's particularly vulnerable to their tactics.
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  2. 09-08-2010, 05:25 PM #2
    Neeley
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    Default

    I would have done the same thing.
    DD (19)
    DS (16)
    DH (Knocking on 40's door)
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  3. 09-08-2010, 05:31 PM #3
    sjohnson3278
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    I also would have done the same thing. Granted, she is an adult (barely, lol) that can make her own decisions but I think that you, as her parent, have to guide her also into adulthood. Just because they turn 18, doesn't mean they have the means or wisdom to know what a good decision is and sometimes we parents have to help them with that. I applaud you for doing this for your daughter.
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  4. 09-08-2010, 05:36 PM #4
    ilovechocolate
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    I HAVE done the same thing twice now. DD18 hasn't any idea that she has gotten these offers, and she doesn't need to yet. Her with a credit card???? Horrors!!
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  5. 09-08-2010, 06:28 PM #5
    ruderring
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    Don't feel bad. I have done it many a time. DD is 19 almost 20 and I am still burning them. No way in the world does she need a cc. Had one unknown to us and got into trouble with it. Will they ever learn?
    Becky
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  6. 09-08-2010, 07:02 PM #6
    brainyblonde
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    Shhhh.......I have done the same thing!
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  7. 09-08-2010, 07:11 PM #7
    Russ
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    hmmmm...

    I have two hands

    One hand says... How's she going to learn? The hard way when Mom's not around?

    or

    Mom keeps shielding her?

    This time, at this age, you did the right thing IMO.

    but one of these days............
    Russ

    Truck payments: 10 9 8 7 6 5 4 3 2 1 WAHOO!
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  8. 09-08-2010, 07:12 PM #8
    mndtrp
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    Naughty. What you should have done, is call the company doing the mailing, and told them to remove you from future mailings. I've done this in the past, and I don't get any pre-approved applications any more.
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  9. 09-08-2010, 07:22 PM #9
    Mrs K
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    I was always thaught by my mom that cc are to be used like cash. My mom always pay everything with her cc and paid the bill in full. I would watch her do that and I do the same thing. I have had a credit card since I was 18 and have managed my finances the same way without getting into debt.
    I must admit I would have done the same thing. Although I do believe it is important to teach kids to use credit responsibly.
    Just my two cents of course
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  10. 09-08-2010, 07:35 PM #10
    IntlMom
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    Totally responsible....
    I also throw away my husbands "junk mail" before he sees it.....
    bwaahaa - I have ULTIMATE CONTROL over what mail my family sees!!

    hehe
    :

    Traci

    dh 20 years
    ds 14 ~ Russia
    ds 14 ~ Russia
    dd 6 ~ China
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  11. 09-08-2010, 07:36 PM #11
    cab54
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    OH, yeah, I've done it too. Don't worry, it'll seem like no time at all and she'll be out on her own, and then she'll get her own mail, and THEN she can apply for credit.
    ______
    Cheryl

    "I am still determined to be cheerful and happy in whatever situation I find myself. For I have learned that the greater part of our misery or unhappiness is determined not by our circumstance, but by our disposition." -------Martha Washington
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  12. 09-08-2010, 08:10 PM #12
    MomToTwoBoys
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    Quote Originally Posted by Russ View Post
    hmmmm...

    I have two hands

    One hand says... How's she going to learn? The hard way when Mom's not around?

    or

    Mom keeps shielding her?

    This time, at this age, you did the right thing IMO.

    but one of these days............
    I agree 110%. If she wants one, she'll find a way. I think the best thing to do would to try her on a CC with a limit and if she exceeds the limit, take the card back and have her pay off the card.

    Shielding her from things she may end up doing later is only delaying the inevitable.
    Wife to DH since 10/31/2002!
    Mom to DS #1 08/13/98 Mom to DS #2 09/11/03

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  13. 09-08-2010, 08:50 PM #13
    Missourimom
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    I've done that too, but my 19 year old still ended up getting two credit cards. sigh.
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  14. 09-08-2010, 08:50 PM #14
    Michelle68
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    Quote Originally Posted by brainyblonde View Post
    Shhhh.......I have done the same thing!
    Uh...
    ~ Michelle



    Wife to DH--
    Mom to DS--
    and DD--

    Avatar picture--Taken at Comanche Lookout Park, San Antonio,Tx. April,2010
    Mortgage -- $53,077.24
    March Emergency Fund Challenge-- $100 /$200
    ----------------------
    "The time to save is now. When a dog gets a bone, he doesn't go out and make a down payment on a bigger bone. He buries the one he's got." --Will Rogers
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  15. 09-08-2010, 08:54 PM #15
    LeeCee
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    she is way too young. you did the right thing.I would have done the same thing.
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