Articles

The Right to Obtain Credit

In Youth Rights on June 8, 2015 by edwinforyouthrights Tagged:

Typed by Edwin Bonilla

The CREDIT CARD Act has adultist provisions. It requires that young women and young men who are 18-20 years old get a co-signer who is 21 or older. Using the age of 21 as a minimum age is always discriminatory against young adults because the age of majority is ignored this way. Young women and young men who are 18-20 years old should not be the intolerant target of laws. Young adults should be treated with more maturity because they should decide if they want a credit card or not.

Another adultist provision in the CREDIT CARD Act is the requirement that people be 21 or older to receive credit card offers unless a young adult opts in to receive those offers. Credit card offers are part of junk mail but young adults who are 18-20 years old shouldn’t be subject to ageist provisions in laws. People who are concerned with protecting young adults justify this oppression against young adults. It doesn’t matter if those people act with a kind intent because anytime the rights of young adults are eroded, the result is the same. Financial literacy and responsibility are the answers in reducing credit card debt among young women and young men. Those provisions in the CREDIT CARD Act do this in a wrong way by treating young adults who are 18-20 as less than the age of majority.

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