Quote:
Originally Posted by disneysteve
Buying and not paying is not the only way to be irresponsible with a credit/debit card. Making purchases without understanding the terms to which you are agreeing is also a type of irresponsibility.
I've said many times that all of these money-making scams would disappear if people stopped being gullible and falling for them. Really, who believes that some Nigerian government official needs you to transfer millions of dollars and will split the money with you if you just send all of your banking info?
What should you do? I think that depends on the situation and only you really know the answer to that. If it happens a couple of times, come to her rescue and help her fix the problem, being sure to explain in detail how to avoid being scammed again. If it continues to happen, at some point, you need to let her suffer the consequences and pay her own money to clean up the mess she made. Also, after the first couple of times, I would definitely consider taking away her ability to get into this kind of trouble by closing her card.
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Sadly, there are some people who are desperate. They think that just maybe its for real. Most of us know better. Back to the daughter. I understand one doesn't want her to have an over the limit fee but she has to learn on her own or she won't. When my daughter first got her checking account, she bounced a check. She thought the balance was correct even though she had checks that hadn't cleared yet. The first time or two I helped her but finally had to step back and let her learn it on her own. Losing that money taught her a valuable lesson she did not forget.