janix

Background info: When I was 19/20 or so, my parents took me back to our home country and opened a bank account with citibank on my name for me to get some benefits (bank will give $$ to new customers). Unfortunately at the time, I knew little of how banks work and my parents forced their way and made me opened up an account. Least to say, the contracts were mostly written in Chinese which I could not read at the time and I don't believe there were English in the contract. Even if there were, I couldn't possibly understand the jargons involved in those papers Now I will get straight to the point, right now I know NOTHING about that bank account. I don't know the bank account number, a pin (if it even has one), credit card number (if I even got one or not), and my bank card number. I have asked my parents to give it back to me, but they refused with a terse and loud answer: "NO, stop asking for it". I am a little paranoid right now because their refusal and lack of explanation. My dad has a horrible credit history to top it off and a gambling addiction in the past (he's cleaned now). My mom has opened up 5 different bank accounts to reap one-time benefits to new customers and she is horrible with computers and securities. Her credit card have been misused at least 4 times in the past . What I am most afraid of right now is that they might one day start using my account or my credit card on whim and put all the debt on me or even have her credit stolen and misused. I don't think citibank offers joint accounts, so I may still have some say if i have to force things through. Additional info: I already have another separate bank account of my own with another bank, so asking "I need my OWN card to do this and that..." isn't going to work. Also, telling my mom that it is better that I keep the cards since you have a poor history of credit card issues isn't going to work either since I don't think she even uses citibank as her primarily banking. And I certainly don't want to tell them "please don't use my credit card for yourself" to give them ideas. Thanks for reading.

Anyone planning to apply for Chemistry next year?