373
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
this post was submitted on 05 Nov 2023
373 points (97.0% liked)
News
23435 readers
547 users here now
Welcome to the News community!
Rules:
1. Be civil
Attack the argument, not the person. No racism/sexism/bigotry. Good faith argumentation only. This includes accusing another user of being a bot or paid actor. Trolling is uncivil and is grounds for removal and/or a community ban. Do not respond to rule-breaking content; report it and move on.
2. All posts should contain a source (url) that is as reliable and unbiased as possible and must only contain one link.
Obvious right or left wing sources will be removed at the mods discretion. We have an actively updated blocklist, which you can see here: https://lemmy.world/post/2246130 if you feel like any website is missing, contact the mods. Supporting links can be added in comments or posted seperately but not to the post body.
3. No bots, spam or self-promotion.
Only approved bots, which follow the guidelines for bots set by the instance, are allowed.
4. Post titles should be the same as the article used as source.
Posts which titles don’t match the source won’t be removed, but the autoMod will notify you, and if your title misrepresents the original article, the post will be deleted. If the site changed their headline, the bot might still contact you, just ignore it, we won’t delete your post.
5. Only recent news is allowed.
Posts must be news from the most recent 30 days.
6. All posts must be news articles.
No opinion pieces, Listicles, editorials or celebrity gossip is allowed. All posts will be judged on a case-by-case basis.
7. No duplicate posts.
If a source you used was already posted by someone else, the autoMod will leave a message. Please remove your post if the autoMod is correct. If the post that matches your post is very old, we refer you to rule 5.
8. Misinformation is prohibited.
Misinformation / propaganda is strictly prohibited. Any comment or post containing or linking to misinformation will be removed. If you feel that your post has been removed in error, credible sources must be provided.
9. No link shorteners.
The auto mod will contact you if a link shortener is detected, please delete your post if they are right.
10. Don't copy entire article in your post body
For copyright reasons, you are not allowed to copy an entire article into your post body. This is an instance wide rule, that is strictly enforced in this community.
founded 2 years ago
MODERATORS
I feel that this can be addressed at application step. Any date of birth proven to be under 18 cannot apply without an in person interview. This protects minors from taking on debt without fully understanding the implications, and puts responsibility on the lender for providing credit to a minor. If credit is provided and defaults the debt should be the lender's problem for taking such a huge risk.
Alternatively, the same premise with the exception that an adult is required as a cosigner. If the account defaults the burden is shifted to the adult as they have the cognizance to understand and take responsibility.
I wouldn't outright ban giving accounts to minors. My parents opened a savings account in my name and kept it in good standing. This gave me a big credit boost that my peers never had. But I realize I am an exception, and the problem others face is very real.
Companies don’t care. I had a collection agency call me before wanting paid for an unpaid Direct TV bill from when I was 13 that my dad had taken out in my name. I had to get him to read the part on Direct tv’s terms stating that no one under 18 can activate service 4 times before it finally registered to him and they dropped it. Still had to get it removed from my credit report too.