Ok Ive tracked the credit card,fiasco with my daughters recieving credit applications and mail promotions.Seems the school bank account is not to blame. rather her use of a prepaid mobile phone to virgin mobile paid for initaly under her mothers name .the young lass has been online,internet to check if she had an account status under the mobile number to virgin.she has enquired online about ringtones,etc etc,and seems to have filled up some request under her own name and mobile phone number in use,seems to have ticked some box online to recieve,future,promo and credit card info that is bundled obviously. Well it has all ceased now that everyone has been advised,and I will keep closer scruitiny of the kids.mobile usage and online activity? no aditional credit cards for this family.although have beentold the kids can have a credit card for them to use intheir name under somesort of Guarantor Parent thing?But we dont want to go There ,Thats for Sure! cheers rickove