Q. I just learned that my 20-year-old took out two credit cards when school started. He goes to college in another state. And he charged up $4,000 and hasn’t been able to make payments. He doesn’t have a job so I have no idea how he qualified for a card. He had a summer internship only. How could they give him these cards and now what can we do so he doesn’t kill his credit?
— Mom
A. This is rough.
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