<prompt> Human: Im 22 years old, and just graduated from University with a BS in a STEM field. Ive been working at my new job for about 3 weeks, and make a decent salary. It came to my attention through pulling my credit reports that a credit card I had left in the care of my father and step-mother has been delinquent and in collections for several months now. The amount is small -- around 350. The card was opened when I turned 18 in my name, and my parents told me that I couldnt have it, and they would hold onto it to build my credit. As a naive 18 year old, this seemed perfectly reasonable to me. My father was is a not-so-savory individual, along the lines of varying types of child abuse. My shrink told me that I had a mild case of something called Stockholm syndrome, in which a victim believes that their abuser loves them, and protects them as a result end rrelationships rant. I was able to come to terms with what happened to me, and cut ties with them permanently my last year of college. They immediately dropped me from health and car insurance which I was paying premiums on -- I was just on their plans, and refused to send any form of documentation of mine to my grandmother or me. As a result, Im getting a new copy of my social security card and birth certificate re-issued. My question is -- what do I do about this credit card? I didnt authorize them to make any of these charges when we were speaking, my step-mother would ask me first before making a purchase, and certainly not to let the account go into collections. I have a feeling that this was malicious and in retaliation for my actions. I honestly had no idea that something like this could happen -- the hard lessons of growing up I guess. So should I let it go into collections? Negotiate for a pay-for-delete? File a police report and pursue fraud charges? I am so lost right now.EDIT: Thank you for all of the responses! To clarify, I am a she, not a he. To answer the questions of WHY I left it in their, possession, I didnt have much of a choice. I was afraid of my father, and he told me that I didnt get to have the credit card, and that I must leave it with them. They would periodically buy things and pay off the statement when they did, with my permission. My step-mother would call me up and say hey, mmcrowle, were buying xmas presents and Im going to put it on the card, that cool? And Id say sure, mmcrowles step-mom, thats fine. Once I cut contact with them, I never heard anything about it again. I never had access to the online account, and I never paid off nor saw a statement.To clarify about the situation further, the nature of said abuse makes it very unwise to make direct contact, for my safety and mental health.  <response>: Options: 1. Ask the collection agency for a pay for delete where they remove the entire mark once you pay. Get this in writing if they agree. 2. Pay the collection agency without pay for delete. The account will still be listed as a collection account, but will read Paid which is better than not paid. 3. File a police report. While you did apply for it yourself, your parents effectively stole it from you. Then they used the card for charges you didnt authorize. 