Do you have a kid in College? College years are prime time for building credit card debt, I know it was for me when I was in College!
College kids are a prime target for credit card companies, so they will get offers as they prepare to head off to school.The law says anyone under 21 who applies for a credit card must have a co-signer on the account or be able to show their ability to pay the bills. A part-time job could be enough to qualify.
Is this an issue you may have to deal with? Read What do you do now?