Matty, Dont worry about your psuedo-friend. You will make more friends. Maybe he thought in some weird way that he was saving you. Maybe he was jeolous. I really doesnt matter why he did it. He is obviousily to immature to talk about things like an adult. It is all a vicious cycle when we allow others to see our dishonesty. What goes around comes around..
Matty, I do understand in a way where you're coming from. I've had MANY friends betray me out of jealousy or just plain bad character in general, and it hurts terribly. I am confused, however, as to why Chase would release so much information about who told. I work with law enforcement in my job, and they never tell who the informant is. I'd think a credit card company operated that way too regarding fraud, but maybe not. Just something to think about...if they did tell you all that info about your "friend" that doesn't say much for them as a company..... I don't condone lying, and I was uncomfortable with you doing it from the beginning. When I saw your topic, before clicking on the thread, I had a strong feeling the lies about age had caught up with you. However, I chose to remain silent because it is your choice. You seemed to be just eager to exercise credit, and seemed to be doing it the right way outside the lying. Matty, you will be 18 in 4 months. I would urge you to cancel those two cards you have the false birthdates on, and when you turn 18, then get 2 cards perhaps from other companies. Then later get back in with the old companies. I say this so it won't set off red flags with Discover and Citi and Chase that could cause more problems. Try First USA, MBNA, and AMEX if you wish when the age is legal. I think other than the lies about your age, you have done well with credit. As long as you continue those thoughts and actions, when you turn 18 you will be in good shape. And when you're 18 and have the right birthdates on your cards, then I'll pat you on the back and say you've accomplished something I hope this wasn't critical...I just wanted to say that I'm sort of troubled by this issue but also in a sense admiring how you are not in uncontrollable debt at your age.
Thank you author. You prove yourself as another member of this board with a great deal of wisdom. I should have known the past would catch up with me, but at such an expense. The thing is, I am still talking to this friend of mine, but in the back of my mind, I am in a sea of fire. I am so disgusted with him, because he is still leading me to believe someone actually hacked his account and sent those emails to the credit card companies. I am not that stupid, and know damn well it was him that did it. He has pulled this kind of shit with other people, and is someone I definitely won't be telling secrets to anyone ever again. It will definitely teach me how important a trustworthy friend is, but then again, I thought my current "friend" exemplified all the fine qualities of a trustworthy person. I guess I was wrong, and it will make it much harder for me in the future to recognize those qualities in someone else. For now, I will just confide in my mother, she is always there for me. Once again, thanks to all.
Matty: It doesn't matter!!. Just pay the balance to Chase and let the others accounts open including Discover. Chase won't tell the others creditors about your age or prosecute you. Relax!
Did he make false statements on the application as to income AND DOB? That is bank fraud, a federal felony. Has he charged $1000's of dollars? They probably won't care so long as they get their money back.
Matty, Close the accounts...In a few months, you will be able to start to build (not rebuilt) a true credit profile at the right age. This way , your "best friend" will not be able to stab you in your back and you will be legit with all your C.C..
...and you'll want to seriously think about your definition of "friend". Of course, nothing you did in the way of acquiring those credit cards was ethical and I agree with the above analysis. But, I want to also point out that while your "friend" has forced your hand, he has also acted with malice. Don't get me wrong. It's good to have buddies around to "pull your coat tail" and keep you honest. But I got the impression that this "friend" was acting out of extreme jealousy and vengefulness. That's not a combination you want in a sincere pal. Just because you grew up together doesn't mean you should never re-assess you old mates. Indeed, part of growing up is shaking off those things (e.g., getting credit cards before you're of age) and those people (your "friend") who have dark agendas, such as wanting to see you persecuted, prosecuted or both by these credit card companies (afer all, just as you didn't know Chase likely has no interest in persuing you, neither did your "friend". Sounds to me as though he were really hoping the Feds were going to break down your parents door and drag you out onto the streets and off to jail in front of your family and neighbors, bullhorns and sirens blasting.) As you turn 18, this may well be the perfect time to re-assess your motives, your future endeavors, your ethics...and maybe most importantly, your choice of "friends". In other words, scrape him off!
Thanks Hope! I did report the correct household income to all the cards when I applied. I included mine and my parents. They would help me if I ever got into debt really bad, but the highest amount of debt I ever carried on a card was a mere $500. I hated the idea of having debt, it was a burden, so I'd always pay if off quickly. I think this was an important lesson for me to learn, both about ethics, and about friends. It will surely make me more cautious of others in the future.
