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Getting a cedit card without a job is pretty easy. When all of my kids went to their Freshman Orientation Day at KU there were at least a dozen banks trying to get the kids to sign up for their card. The credit limit was pretty small, like $1K, but you can do a lot of damage to your credit rating with 4 or 5.
It's hard to tell if the kid is just being 19 or really does have a serious attitude/mental problem with what's been written. This didn't happen overnight, it's just reached critical mass. Both Mecca and mom need to sit down and have a Come To Jesus discussion with the kid. They MUST be on the same page. Lay out what is expected and the consequences for failure to follow the rules. No more one-more-chances, no more Mama's Love. Either grow up or get out. That's harsh, I know, but it comes down to you and your wife or your wife and her kid.
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