Adult advice please!:little white lie gone bad?

Alright i am 19 yrs old and in college as a commuter so i am fairly responsible now.I pay for my books/nessaries and my parents pay for tuition as well as my car insurance ect.I went through a hard rocky time with my parents because they were so overly protective and strict never letting me do anything. I wanted to rebell in any way i could.Things are much better with my parents now but my last year of high school i did something stupid i wanted a credit card but since my parents said no .I choose to use my dads SS number to get one i started using it to buy whatever i wanted for compulsive emotional reasons.I finally have just about paid everything off.Do i tell my parents or just cancell the card?Adult advice please!:little white lie gone bad?
Pay it off then tell them. It will show on his report and he may begin a fraud investigation that ends in your lap.





This ain't a white lie in the eyes of the law; it's identity theft and credit card fraud.Adult advice please!:little white lie gone bad?
You should tell them. That is the adult thing to do. They should be adults about it as well and see that you took care of it and it is all over. Just think about what will happen if they check their credit report and see you commited fraud.





I wanted to add





When I was a kid, my dad bought me a brand new stereo for Christmas. I knew it was expensive and I knew that I had to take care of it. My dad was not an easy going guy. One day in January, I was listening to a record(you may not know what that is hehe) and the dust cover to the stereo was on my bed. I was dancing around the room and plopped down on my bed. I broke the cover. I thought about hiding it from my dad but knew that he would find out one day and he would tear into me for lying and hiding things. So when he got home from work I handed him his belt. When he asked what it was for I told him what happened, through tears and a lump in my throat. He laughed at me, then he helped me fix it. That was it. Be an adult about it. Tell them.
Yikes! Yeah pay it off. Cancel the card. If your real brave tell them in like 10 years.
cancel the card then pay it off.





don't tell them about it.





never do this again.
That is a hard one. Pay off the card and cancel it. That needs to be your first step. Is your relationship really strong now or just on the mend. If its just on the mend you may want to wait a bit before telling them this. I hope you were never late on the payments because that will affect his credit and he may find out.
If you have the card still, the statement has to be going somewhere. Is it going to their house? If it is, then they already know about it.





You should pay for the card completely and ASAP then tell your parents. Not a little white lie either, if they get really pissed, you need to suffer the consequences of this one.





I can't believe you did that! Amazing? I thought I was bad in high school, guess I was a good kid.
Finish paying off the card and cancel it if you can. Next tell your parents that you are really happy that your relationship with them is on the mend but you have one more thing that needs resolution. Then confess. It will be up to them to decide what they are going to do with the information you provide them.
pay it off, cut it up, and save it to show them... and when you tell them be sure to say, your sorry, and should never had done it, and explain just what you did to us that you don't want to jeopardize your relationship with them but at the same time you feel the need to be honest with them and you did not want to keep this from them any longer because it was dishonest, and you want to put that type of behavior behind you. and if you want some points, when you say your sorry, tell them you feel bad, because they did not raise you to act like that. and why you did is still a mystery to even you. that helps them to eliminate the ';where did we go wrong'; feeling.





and you need to tell them, if they do a credit report and report that that is not ther card,,, they will flag the card, and when you use it... you could go to jail. you are over 18.. and it is serious.
Run the card through a shredder and pay the balance off. If your parents ask you about it if they find it on their credit report....tell them first that you are sorry, but you ran into some financial trouble and wanted to try and be responsible. You have paid the debt AND learned your lesson. You will understand if they are mad, but tell them again you are sorry. You might be surprised at how forgiving they will be OR they might ream you up one side and down the other. Either way....they will talk to you again....because they will always be your parents.
If you were ever late on a payment, even just once, you have to tell them. It would have been reported to the credit agencies, and would be a bad mark on his credit.





I would really suggest you tell them, tell them you are SO sorry,you realize how wrong what you did was, and then deal with whatever consequences there may be. What you did was not only wrong, it was illegal. Since it's your parents, and you've paid it off, it's not likely they'd turn you in, but they deserve to know they were victims of identity theft, and it should be you who tells them. If it were anyone else, you'd be in prison. I think you should take whatever punishment or anger that comes your way with grace.





You need to rethink your definition of ';little white lie.'; This is NOT it. This is a long-term, illegal lie.
If your dad ever checks his credit report. Your card will show up under his SSN.


I'll tell you a little trick about coming clean about lies to your parents or anyone. You tell them that I need to tell you something, promise not to be mad. (And you make them promise). As humans, it's hard for us to be mad at someone after you've already promised not to be. And if they try to get mad, you remind them of the promise.


However, since you've already paid the card off. Just tell your dad, and ask for his help in getting the card cancelled and out of his record. Parents really like it when they can still help their kids after they're grown up. It makes them feel needed and it gives them a piece of their little girl back again.


Your relationship with your parents always gets better once you move out of the house and keeps on improving. You start to realize that they were right about somethings and they also start treating you more like an adult. You guys will laugh about this in the future.
Pay it off


Cancel the card


Tell your parents


Don't wait to do this
Keep this to yourself (just hope your parents are not on YA). No need to retroactively worry your parents. If they do find out you can still tell them that this was case of temporary insanity and that you have paid everything off.
You gotta tell them before they find out. Hey, YOU made the mistake and are now trying to avoid the consequences of your actions. Tell the truth, take your medicine and move on.





Plus the tone of your first paragraph suggests that your fraudulent actions are your parents' fault. The sooner you take full responsibility for your adult behavior, the happier you'll be.





BTW, this ain't no white lie. It's a felony. Be happy you're not spending time in jail.
Your parents could charge you with credit card theft. Pay off the bill immediately before interest charges are laid. Major credit cards have average 18% interest charge per month. You need to get your own credit card, you are of age now. You may have to get secondary credit card, not a major credit card like Visa, Mastercard or American Express. You may be able to get a Store credit card. Don't screw up their credit rating. Find another outlet besides excessive spending. Do something that is positive, not negative towards yourself.





Your parents may forgive you if they have an open heart and mind. I would tell them definately, they will respect you more if you did that, before the next statement comes out and then they won't be so shocked, and that you have made payments on it.