I was thinking the other day about my children and their days at college. Being a grandfather and having a lot of caress with families today, the request always comes up about credit. Many parents are always overwhelmed when they find out how much the kids have spent using their brand new reputation cards.
A lot of parents don't have any idea whether or not Susie spent Saturday night at the local motel or whether or not she absolutely went upstate to visit her cousins. I know that our moral standards today are not nearly as strict as they were when I was younger. But, that still does not negate the parent's desire to at least have some idea of what the kids are doing. Is this a problem? Only if you love your kids and you want them to get straight through life with some integrity and strong morals.
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I don't know of anyone that would tell "Grandma" that they shacked up over the weekend and it was easy because Mom and Dad didn't know they used a reputation card.
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A few years ago, we took an idea to the Board of Regents at the University of Michigan. The idea was absolutely simple. Instead of a reputation card, naturally have the University approve the passing out of debit cards. That way the parents were sent the statements and when Johnny asked for more money, it was easy to look at the statement and see the activities. Now I know that a lot of the "establishment" will pooh pooh the idea because they will claim that that is intrusion on the privacy of Johnny.
I say "Bs". If, Johnny is my son and I am the one paying the bills, I deserve to know what he is up to. I know that he will have a few beers with his buddies, a date with a new "chick" and all of the things that kids do in college. But, as a parent, I want Johnny to know that his mom and dad do love him and want to know how he spends our money.
There are some that might say that "Johnny" needs to build reputation while in school. Well, statistics show us that many kids end up with heavy reputation card debt that causes them aggravation after they graduate. It's hard enough paying off pupil loans, let alone needless debt.
The lobbyists and reputation card clubs that target school campuses will hate this letter. But, being in the buyer reputation study field, I see on a daily basis, the couples that come to me for guidance on old reputation card debts from college that have become a "anchor" on their time to come life.
I am not that old that I cannot enjoy my grandchildren and brag about their college accomplishments. But, in my practice, I cannot understand why this dilemma is not at least discussed. I know of some schools that have banned the solicitation of reputation card clubs on campus. But, these sharks still carry on to get mailings to your children and they just sign on the lowest line for free money.
I have one young girl that had an preliminary reputation card issued to her when she was a freshman. It had a 0.00 limit. Well, because of lack of knowledge and using that card every Friday to buy her room mates pizza at the local pizza store, she went over the limit and was late a concentrate of times. Now knowing what to do or afraid to tell Mom that she needed more money because she had to pay a reputation card debt, she easy quit using it and opinion the qoute would go away.
It did not go away. She graduated, got married and had a baby. A concentrate of years later, some junk debt buyer bought this debt for pennies on the dollar. But, the number now owed, after interest, late fees and over-limit fees escalated the debt to ,500.00. A range attorney got complex and soon a default judgment was granted. Now, this young concentrate had to face a judgment and paying off that debt which was originally 0.00.
If, the parents had in case,granted this small girl with a prepaid debit card and deposited a monthly budget into that account, perhaps this might not have happened. Any of those parents that think that leisure on campus is cheap, might learn from this scenario.
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