subject: Teens And Credit Cards [print this page] Teens And Credit Cards Teens And Credit Cards
For individuals who come to a financial dead end in Marlton New Jersey, a Marlton bankruptcy attorney can help present options to remove the roadblock. With valuable experience and expertise, a Marlton bankruptcy attorney can make a complicated process simple and seamless for you. While it is no mystery or secret how Americans find themselves in these precarious situations, it is the job of the Marlton bankruptcy attorney to help get their clients out of the financial bind that binds them financially. Trying to unearth the mystery of how so many Americans find themselves in the dire position of filing for personal bankruptcy can be a complicated feat. A good place to start is the marketing campaigns of credit card companies. Most credit card companies target specific groups of the population. For example, when teens turn 18 years old, the age to enter into a legally binding agreement, they are typically bombarded with numerous credit card offers. As it is not mandated as part of the high school curriculum, many students may not be equipped with the knowledge to know how to successfully manage a credit card. All of a sudden they are able to experience the pleasure of immediate gratification or satisfaction while paying later. This can be too much responsibility for some. Pushing this purchasing power on young and nave teenage consumers before they learn the true value and importance of credit, some may argue, is unfair and unethical. They are specifically targeted at tender ages and credit card companies are capitalizing on their inexperience and inability to effectively manage their credit. At this age, they may not have acquired a true appreciation for credit. They may not understand the consequences of their actions. Fortunately for some teens, proper credit principles have been instilled in them. But unfortunately for others, they have not and they must learn the hard way, oftentimes through a bankruptcy.
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