Star asked in Business & FinanceCredit · 1 month ago

My mom used up my first credit card, does this mean my credit is ruined ?

9 Answers

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  • Frank
    Lv 5
    1 month ago

    No. It means your mother is a JACKASS...pay it ONTIME and PAY IT DOWN and GET A NEW CARD so your DUMBASS MOTHER CAN'T USE IT ANYMORE.

  • 1 month ago

    As long as it gets paid back it should cause no damage.

    How did mom use your credit card? Did you allow her to?

  • Shay
    Lv 7
    1 month ago

    Maxing out a card hurts the score until it is paid back.  This is short term credit damage that quickly recovers with on time payments and not using it again for a while.

    Once it is paid back, the score will improve again.

    If she failed to make payments on time - then she has destroyed your credit on a more long term scale.  It would take longer to recover from that kind of damage.

  • R K
    Lv 7
    1 month ago

    it depends what you mean by used up. if you mean she maxed out your card buying stuff and didn't pay anything back, yes it ruined your credit.

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  • Anonymous
    1 month ago

    Depends if she paid it on time or not. You do not use up credit card balances, you pay it off and can charge more.

  • Judy
    Lv 7
    1 month ago

    No, but it's harmed. And if it's not paid off on schedule, it'll be even worse.

  • 1 month ago

    If she paid off the card, then it may have improved your credit.

    If she used your credit to scam a credit card company though and never made the payments, your credit takes the hit. Thank your mom for damaging your credit before you ever had a chance...

  • oikoσ
    Lv 7
    1 month ago

    Only temporarily. It will go back up once the debt is paid off and the record is completely cleansed in seven years. Let her get her own card.

  • 1 month ago

    It may be...................

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