My daughter is a XXXX who decided to open a credit card although the discussion had already been made not to. To my surprise after her XXXX XXXX she came home and had received mail from Navy Federal Credit Union. I inquired as to what the mail was for and she indicated she had opened a credit card. The first thing that came to my mind is she did not have a job, had already maxed out her limit not of {$500.00} but on {$5000.00}, and still was a dependent. The next day we went to an NFCU branch office as I was in disbelief that such a thing was still happening with the tightening of credit guidelines and all. The branch customer service representative indicated that there was nothing that could be done my daughter is XXXX years of age. I get it, what I do n't get is how you can give an XXXX year old or anyone for that matter a {$5000.00} credit limit and not verify they have the wherewithal to pay it back via sources of income This was allowed and now my unemployed daughter has a maxed out account that she will be obligated to pay back while she works from time to time and while continuing to be a XXXX until she lands a real job. I wonder if Navy Federal along with other financial institutions are part of the solution or are you truly a part of the problem. I do n't see anytime soon that the economy will rebound with policies and procedures such as this. 
