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Finally, the Fed notes that credit card fraud can begin with online payments. Although little threat exists that the credit card's information will be stolen online, the danger exists that a fraudster will trick the consumer into supplying account and other personal information, such as their social security number or passwords.
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Younger consumers can be added to an adult's credit card account as an authorized user. For an existing credit card account, the adult will need to contact the issuer and request to have an authorized user added. Alternately, young consumers may be able to get someone older to co-sign a credit card application for them.
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