Hey guys Before you read ahead; do you think 18 should be the legal age? Being 18 is grown up enough to handle the world out there? So for a while I wanted to talk about this. Well, obviously in the UK, legal age is 18. Some places such as certain clubs obviously state 21. But anyway, that is not why I opened the account. Basically, when I first turned 18, I kept getting credit card advertisements on my name through post. I applied for a couple and started using them. For a while, repayment and everything went ok, but I started using them heavily and wasnt able to make minimum repayments on time. After some time, I was referred to collection agencies to pay the money back. I went on a repayment plan and took me literally less than 5 months to pay everything off. However, that whole repayment thing has come back to bite my ass. I CANNOT EVEN OPEN A CURRENT ACCOUNT WITH BANKS! Let me explain what happened. I was with Lloyds TSB(just Lloyds now) for the whole time. I was never pleased with them. THIS MONTH I finally decided that before my next student finance drops, I will pay off whatever direct debits I have, pay off anything that needs to be paid off, close my Lloyds account and go open an account with Barclays or HSBC. I sort out all the bills and everything, close my account. Go to Barclays, only to find out that my credit score is so bad that I cannot even open a Current Account! EVEN STUDENT ACCOUNT IS BEING DENIED! They were willing to give me student account without the benefits(such as the interest free overdraf). After some investigation, I found out that my credit score and credit history is poor due to the things I have done back when I was 18. I really think its a huge punishment to me! At that age I was such a fool and obviously fucked up. Whats your opinion on the 18 legal age law? Whats your opinion on my situation?