All, My children just received offers from Citibank for AAdvantage Silver cards. We are going to apply. The credit applications do not contain any questions about age or birthdate. The information was given to Citi from only one place. My kids do have American Airlines frequent flier accounts... that are documented with their ages. I will keep this updated and we shall see if the children are approved. Note: for income on the application it asks for "total household income"... not the income of the applicant. If they are approved, won't that be quite interesting.
Do your kids have social security numbers? I'll be very surprised if it goes through... Lets say it does... I sure would not use the accounts without reading every word of the cardmember agreement that comes with it... I feel sure that you'll be breaking the law.
They are real people instead of DOGS...(more than one person as got stuff for their dog). MY KID GET UNITED APLICATIONS WITH UNITED MILEAGE PLUS...
Uh-oh, somebody place parental controls on this thread so Matty won't see it. Otherwise, he'll be first in line for all the frequent flyer accounts he can grab. Doc
The kids have SSN's. I will be reading things VERY carefully to make sure we don't break the law. I was thinking that it would be nice when the kids actually are of age if they had 10-year + trade lines. Make their credit scores high.
I've been in Experian and Transunion's files since 1986 and I was born in 1978. My mother put me as an authorized user on her American Express card. Too bad, 10 years later I messed up the high credit score I once had. But I keep the American Express entry on my report even though it's closed by consumer's request. At least it shows I had good credit once. Oh well...
Caution: The SSN are the key. When CC's verify the info on the application, the SSN will comes back "issued in 1995 and 1996" respectively. That may well put up red flags for them. Yes, I know older people get SSN for the first time every day (immigrants for example). But I suspect Citi will request "additional information" on those apps.
SORRY...SOME DON'T LIKE FIRST USA...BUT IT WAS THE FIRST APPLICATION WITH ACCESS TO THE THE STUFF I NEEDED By submitting this application, I agree to the following: I am at least 18 years of age. <-----------------**************** Everything I have stated in my application is true and correct. I have read and agree to all the pricing and other terms on the previous pages and screens. By using the account or any card, or authorizing their use, I agree to the terms of the Cardmember Agreement that I will receive with my card(s). The terms of my account, including the APRs, are subject to change. Any such changes will be made in accordance with the Cardmember Agreement. I may submit my application to First USA electronically by clicking "Submit Application Now" below. I acknowledge that, regardless of whether I use a web browser with security features, First USA is unable to ensure that the data will not be intercepted by third parties. First USA will not be held liable should such interception occur. First USA strongly suggests that you use a browser with 128-bit encryption security. SCROLL DOWN FOR IMPORTANT INFORMATION ABOUT RATES, FEES AND OTHER COSTS. PLEASE GO BACK UP AND CHECK ALL ANSWERS CAREFULLY BEFORE SUBMITTING YOUR APPLICATION. DO NOT SUBMIT MORE THAN ONE APPLICATION.
