I'm sorry to hear about your son, but glad to know that you are there to help him. My own daughter ran up signifcant bills on several store credit cards. She just didn't 'get' how the bills grow if you only pay the minimum amount until I showed her about finance charges, etc. Like all of us, she was horrified and felt stupid, but lesson learned. This stuff is so easy to fall into, not so much to get out of.