need judgement

That's American law. Owner of a credit card is presumed to be 18 years old and abouve that. I guess thats what you want to know. India will enact billion laws on credit cards if they come to know, they don't have USSC code[Sorry forgotten]. Keep this a secret before any M.P gets to know this lacuna as the entire machinery in the Parliament and the government will be doing nothing but visiting p*rn sites and making tripos to USA for learning all about it.