<prompt> Human: Back when I was an international college student under F-1 I got a credit card from my schools Federal Credit Union which did not require a SSN for this. I forgot about it until I got a phone call that there has been some charges on it from Ohio. I live in California. My brother goes to school in Ohio and is pretty much spending all his money on drugs and drinks while hes at it. I asked him about it and he said he took my card since I was never using it. I now have almost 1000 on this card that I dont want to pay. The nice twist in this is that since my SSN was not on file for this card it couldnt affect my credit history right? I will pay it eventually when I get enough money together, I just want to make sure it wont ruin my life for 1000. Thank you.  <response>: They can still find you, and still put it on your credit report. Its still possible for them to sue you over the debt as well, although somewhat unlikely on 1,000 dollar balance. 