Skip to main content
An official website of the United States government
(855) 411-2372
Submit a Complaint

My children are under 21 years old, but they receive invitations to apply for credit cards. How is this possible?

Card issuers may mail “invitations to apply” based on mailing lists purchased from a variety of sources, such as loyalty or rewards programs. 

However, credit reporting agencies are prohibited from knowingly including consumers under 21 years old on lists used to send firm offers of credit or insurance, unless the individual consented to the credit reporting agency to be included on such lists.

Take the next step

Submit a complaint

We’ll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint.

Submit a complaint

Don't see what you're looking for?

Browse related questions

Was this answer helpful to you?

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.