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View Full Version : DD10 got a credit card offer!


Merriwind
01-19-2008, 05:28 PM
Hi all-

So, DD just turned 10 and today she gets a pre-approved credit card offer in the mail! WTH?! It was for a Discover card. Can I send the "invitation" back with a note that she's a child and have them take her off of their mailing list?

She just got a People to People Ambassadors invite yesterday, which I know are generated from mailing lists. I am wondering now if she is somehow in some big list pool. Anyway to get her out? The last thing we need is more junk mail and I'm a little creeped out with a ten year old getting cc offers. (She, of course, wanted to sign right up.)

Thanks!!

powellrj
01-19-2008, 05:49 PM
when my DS was 15 he got a plastic AARP card in the mail!! I still have it because we tease him about it!

ash&abby'smom
01-19-2008, 06:14 PM
I believe that is one of the signs to look for identity theft. You may want to run credit checks on her to make sure that someone hasn't opened any accounts in her name.

gonemousin'
01-19-2008, 06:15 PM
I'm not trying to alarm you, and the credit card offer is probably just a freak "her name somehow got on a big mailing list" kind of thing, but if I were in your shoes I'd probably run her credit report to be sure it's squeaky clean. Again - not trying to scare you - just thinking out loud. Unfortunately, children are not immune to identity theft.

Melissa_E
01-19-2008, 06:50 PM
I believe that is one of the signs to look for identity theft. You may want to run credit checks on her to make sure that someone hasn't opened any accounts in her name.
I agree. Good luck!

DisNeeFans
01-19-2008, 07:35 PM
My 10 ds also got something in the mail last week about him being gauranteed $500 cash advance. After seeing this post I think I will run his credit report and all my other children as well. Let's just hope both of our children somehow feel into one of those "mailing lists" and not something serious!

ceecee
01-19-2008, 09:02 PM
DD got a student people to people thing this year as well AND a pre approved CC. Now I'm concerned. How do you run a credit check on your child? Wouldn't her SS# somehow have to be on it? I can't imagine how they could have gotten that.

justwinnie
01-19-2008, 09:10 PM
My DD was 2 years old when she started receiving Continental Airlines Master Card credit card offers. My husband and I didn't even receive them!

I called them and asked to have her removed from the mailing list, since she was two. It took over a year and several phone calls to get her off the list.

She did start flying at around 18 months, and we always bought her a seat, but I thought her seat was always associated with me.

autumnbaby9
01-19-2008, 09:16 PM
I got a CC offer when I was 8. My parents and I thought it was hillarious. Of coures this was before the whole identity theft thing got huge.

Malificient Tater
01-19-2008, 09:23 PM
it just means that her name is on a list somewhere. Dogs get them as well, does not have to mean identity theft, just a name on a list

Merriwind
01-19-2008, 09:25 PM
Thanks to all for the quick and helpful replies. I did call Discover. THey removed DD from their mailing list. I will also go ahead and get her credit report. Probably and hopefully this is nothing, but in this day and age bad guys use technology, so we should too.

Thanks again!

aepecoraro
01-19-2008, 09:52 PM
DD got a student people to people thing this year as well AND a pre approved CC. Now I'm concerned. How do you run a credit check on your child? Wouldn't her SS# somehow have to be on it? I can't imagine how they could have gotten that.


You wouldn't be surprised of all the places that would have access to it...Schools are the big one

sl_underwood
01-19-2008, 10:04 PM
Both our oldest dd and our cat have received offers in our home. Both were from Capital One. Of course, this was after our dd took a class at our community college. Later, we found out that the colleges are paid to provide information to the cc companies. Our cat, the only thing I could figure was I bought her medication at 1-800-Petmeds.

LanaJae
01-19-2008, 10:12 PM
I can't prove it, but I think some fundraiser companies sell kids' name lists from school to credit card companies and other direct-mail companies (without saying they are children). I think they are given the database info. to do pre-printed labels and last names are matched up with public address information in that area. Whoever is doing this gets "bonus" money as these are new legitimate names and addresses. This has happened with 3 of my four kids, and those 3 all had the same fundraiser company.

jackskellingtonsgirl
01-20-2008, 12:32 AM
DS11 gets credit card offers from American Airlines ALL the time because he has a frequent flier number. I did call and ask to have the offers stopped, and I haven't seen one in awhile. DH and I would get them, too, so most of the time we would have 3 in the mailbox at once.

OP - Hopefully there isn't anything funny with her credit report! :wizard:

Schachteles
01-20-2008, 01:06 AM
Glad to know that I am not the only one...each of my DDs got one this week from Discover Card...they are 2.5 years old and 5.5 years old...really nice...my DH is NOT happy...he thinks that the only company that could have sold their name is WELLS FARGO since that is where they have savings accounts.

dclfun
01-20-2008, 07:49 AM
I am one of those people who got several CC offers for my dog. At least I know she doesn't have an identity to steal but I agree with others that if it's a child, I'd run a report. I had posted yesterday about Suze Orman on QVC and her Identity Theft kit. It was an amazing bargain and did say it protected your minor children and elderly adults. For two people for one year it only cost $20 including shipping. I bought two kits ( I esp. wanted the lost wallet protection ) to cover four different people since they didn't have to live at the same address and was pleased with all that was included and the million dollar protection. Supposedly it will be out in stores in a few months, but at a higher price and only for one person. It's kind of creepy to think all that can be generated just by mailing lists and someone's personal information. Since I know someone who had a huge mess with their identity being stolen it's not a matter to take lightly. Meanwhile I have to wonder what kind of credit limit they'd put on my labrador? She has expensive tastes in doggy treats!---Kathy

micki7337
01-20-2008, 08:50 AM
my 7 and 11 DD and 14DS get them all the time typically after wedo a WDW trip via any airline. we just laff and shred. I am also tempted to one day send it back to see what they would do with it.

:rotfl2:

Fizzgig
01-20-2008, 10:24 AM
Why not just call the 1800 number to opt your children's Social Security numbers out of CC offers for 5 years (or permanently)? Here's an article to show all the places you can opt out of these things: http://www.nytimes.com/2007/01/20/business/20money.html

Also, Wells Fargo offers their own Visa-brand credit cards--they definitely would not be selling their competitors (as in Discover) their customer list.

You can also put a freeze on your child's credit with the various credit agencies. It's a pain in the backside, but you might want to look into that, versus spending the money to check your child's credit yearly.

Hope that helps!

ETA: You can't do a minor on the 1-800 number, per this link, but the agencies are not allowed to keep a record on anyone under 13: https://www.optoutprescreen.com/faq.htm#22

mrsmom
01-20-2008, 10:33 AM
My 15 yr old ds got a credit card offer yesterday from Capital one. I was shocked they could send these too kids. He just laughted.
Kim

elgerber
01-20-2008, 11:26 AM
DS11 gets credit card offers from American Airlines ALL the time because he has a frequent flier number. I did call and ask to have the offers stopped, and I haven't seen one in awhile. DH and I would get them, too, so most of the time we would have 3 in the mailbox at once.

OP - Hopefully there isn't anything funny with her credit report! :wizard:


This is where my dd's credit card offers come from too. We also get 3 at a time, which is funny, because all 4 of us have AA frequent flier numbers. For some reason, they don't send one to my son, and he is older than dd.

LSchrow
01-20-2008, 11:27 AM
we've gotten preapproved offers for my dogs.
figured i don't have time to drive them to the mall :sad2:, & not sure if they would be allowed on the bus alone:confused3 , so just shredded it.
anyway, until they get real jobs, i'm not supporting their spending habits.....

;)

ceecee
01-20-2008, 11:38 AM
DD does have 2 freq. flyers cards so that must be the reason she got one. The dogs have yet to be pre-approved! I buy all their meds from 800PetMeds.

FoundMyPrince
01-20-2008, 12:04 PM
When I signed up our children for an American Airlines frequent flier account, they began getting American Airlines credit card offers (pre-approved at that). The kids were 3 and 5.

WETWHISTLE
01-20-2008, 04:12 PM
I would call Discover right away and let them know she is a 10 year old!

kittycatalina65
01-20-2008, 06:57 PM
I wouldn't worry too much about it.
Our cat used to get them all the time. If he had thumbs, he'd be online ordering up catnip and tuna.
We renew our magazine subscriptions with small variables in the name to better track who's selling your name.

Faerie
01-20-2008, 07:04 PM
Why not just call the 1800 number to opt your children's Social Security numbers out of CC offers for 5 years (or permanently)? Here's an article to show all the places you can opt out of these things: http://www.nytimes.com/2007/01/20/business/20money.html

Also, Wells Fargo offers their own Visa-brand credit cards--they definitely would not be selling their competitors (as in Discover) their customer list.

You can also put a freeze on your child's credit with the various credit agencies. It's a pain in the backside, but you might want to look into that, versus spending the money to check your child's credit yearly.

Hope that helps!

ETA: You can't do a minor on the 1-800 number, per this link, but the agencies are not allowed to keep a record on anyone under 13: https://www.optoutprescreen.com/faq.htm#22
Why does anyone pay for their credit report? You are entitled to 1 per major reporting company per year.

sanibelover
01-20-2008, 07:20 PM
Anyone under 18 does not have a credit record - so, no credit report can be run.

AuroraBorealis
01-20-2008, 07:37 PM
We renew our magazine subscriptions with small variables in the name to better track who's selling your name.

I do this too. If my name was, for example, Jane Smith, I will subscribe as Jayne Smythe or Jaine Smithers or something close. When I start getting junk mail with those spellings, I know exactly where it came from.

Oddly, I've noticed that most CC offers are spelled like my subscription to Vogue. Luxury products = more likely to need a card? I've called the OptOut number and no longer receive offers under any misspelling of my name.

I also do this when signing up for any kind of information or even when I make charitable donations. I made a donation to a well-known, well-respected charity as "Jaime Smith" (not my real name) and about six weeks later, I started getting junk mail with that particular spelling.

Children can have their identities stolen (often by relatives) so I would run a check and put a freeze on her account just to be safe. It is a pain, but worth it in the long run so she doesn't have any unhappy surprises when she turns 18.

Good luck.

aka-mad4themouse
01-20-2008, 08:09 PM
we've gotten preapproved offers for my dogs.
figured i don't have time to drive them to the mall :sad2:, & not sure if they would be allowed on the bus alone:confused3 , so just shredded it.
anyway, until they get real jobs, i'm not supporting their spending habits.....

;)
:rotfl2:

TheLittleRoo
01-21-2008, 08:50 AM
My cat got a couple of credit card offers after taking a flight on Delta in their cargo hold. I thought about filling out his relevant data and stamping his pawprint for his signature, but then figured I'd end up paying his bills for him when he ran up a huge bill at KFC or the sushi place.

The funniest thing was when he got a really good offer for $75 off a roundtrip flight on Delta. Now THIS offer *I* wanted to use. After all, he was MY cat, right? Delta refused to allow me to book using his code, saying it belonged to Sammy Martin. When I told them Sammy was my CAT, they didn't believe me at first, and ended up saying his offer was non-transferable. They did give me a $25 discount code but it was so maddening that my CAT got better discounts than me!:confused3

ceecee
01-21-2008, 09:59 AM
[QUOTE=TheLittleRoo;22695770]My cat got a couple of credit card offers after taking a flight on Delta in their cargo hold. I thought about filling out his relevant data and stamping his pawprint for his signature, but then figured I'd end up paying his bills for him when he ran up a huge bill at KFC or the sushi place.

:rotfl2: :rotfl2: :rotfl2:

TheQueenMum
01-21-2008, 12:25 PM
Anyone under 18 does not have a credit record - so, no credit report can be run.


actually, I had several credit cards, and a credit report when I was 14.

ZephyrHawk
01-21-2008, 01:56 PM
I can understand a kid getting a credit card offer because of the way people's names get sold, but will someone please tell me why I keep getting offers from the AARP? I'm 28! What on earth did I purchase or subscribe to or whatever that would make people think I want this kind of info?

lovinpoohbear
01-21-2008, 03:17 PM
That is weird for a child to get a cc offer. Want to hear even more weird?? My dog gets mail on a regular basis. And his name is Poochie. Always cc offers and magazine offers. Realllllly strange. How would anyone get his name? :rotfl: