Discovered a Credit Card in My Name?

Imagine sipping coffee, scrolling through your credit report, and—bam!—there’s a card you never signed up for, racking up charges like it’s Black Friday. Now picture the billing address: your parents’ house. That’s the gut-punch one Redditor faced, uncovering a financial double-cross that makes a soap opera look tame. What started as a smart move to dodge co-signing a mortgage spiraled into a full-on identity theft saga.

It’s a tale that’s equal parts infuriating and absurd. Parents playing puppet master with their kid’s credit, a confrontation via text, and a plan to flee the state—all while juggling a remote job and a shredding trust. The stakes? A clean slate, a fresh start, and a credit score that’s not a family heirloom. Let’s unpack this wild financial fiasco with a smirk and a shiver.

For those who want to read the previous part: Part 1: https://aita.pics/VBwxg

Part 2: https://aita.pics/ZJvIu

‘ Discovered a Credit Card in My Name?’

Holy credit score, Batman! This Redditor’s parents turned “family support” into a heist, swiping their kid’s identity like it’s a coupon for free groceries. That card, active for years with household expenses, isn’t just a whoopsie—it’s a calculated con. Claiming their kid “benefited”? That’s a stretch flimsier than a dollar-store yoga mat, especially since they never chipped in for the apartment.

This is textbook identity theft with a side of emotional blackmail. The parents’ mortgage pressure now looks like part of a bigger game—leveraging their kid’s credit as their personal piggy bank. Financial expert Suze Orman warns, “When family crosses financial boundaries, it’s not love—it’s larceny” (check her advice on The Suze Orman Show archives). Stats back this up: the FTC says familial identity theft hits over 25% of victims, often undetected for years.

First move? File a police report—yep, it’s that serious. Pair it with a fraud dispute to the credit card company, and that debt could vanish from the Redditor’s report. Then, triple check utilities and subscriptions; these sneaks might’ve snagged more. Relocating’s a solid play—distance is a great disinfectant. Readers, got a financial ninja tip? Drop it below!

Here’s how people reacted to the post:

Reddit rolled in like a posse with pitchforks and sage advice—here’s the cheeky lowdown: “These Redditors are serving tea hotter than a microwave meltdown!” Feast on the takes:

Are they spitting facts or just fanning flames? You tell us!

From mortgage dodge to credit card shock, this Redditor’s family turned trust into a punchline. The parents’ betrayal isn’t just a slap—it’s a sledgehammer to any hope of closeness. Cutting ties and fleeing? Bold, but who wouldn’t after this circus? They’re not the bad guy here; they’re the cleanup crew for a mess they didn’t make.