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I've never yet had to put my age on any credit card application. So how would they know someone was only 18? All I ever see on any CC application form is a box to check to confirm that one is 18 or over.

I'm guessing that since age is a protected class (discrimination laws) the credit card companies can't justify asking you for your exact age. The most they can do is ask you to confirm that you are 18 or over.

I also just checked the latest copy of my credit report - no date of birth recorded. So they couldn't find out from CRAs, either, not in ALL of the cases anyway.

I just checked my Experian free report I got late last year. At the bottom under "Personal Information" it has "Date of Birth". Equifax, same thing. And, just to check, on the Citi Card website to apply for a credit card, "Date of Birth" is a required field. So the credit reporting companies have your date of birth and the credit card companies ask for your date of birth. And age is not used to discriminate, it is used to asses risk the same as insurance companies use age and sex (both protected classes) to asses risk.

I also find it strange that people think that it is all right to lie to a credit provider about a credit history, but take objection to the credit provider doing something about it.

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