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In closing, the Fed urges consumers to be aware that their own education and interaction with their financial institutions can greatly work to minimize fraud. Consumers can make concerted efforts on their own and along with their banks to lower the chance of suffering from payments fraud by the selection of the methods of payments they use or by protecting their personal information.
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The danger in both cases is that they could hurt the credit of someone who did them a favor if any delinquencies occur. Additionally, any financial missteps by the authorized credit card user could harm the young person's credit score. So they will need to be careful.
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