Generally no they don't because they have very limited ability to enter into agreements in the US. It was almost certainly an adult.

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Lvl999Noob 2 hours ago | parent [-]

Isn't USA famous for letting parents take out credit cards on their newborns and pushing them into debt even before they learn to walk? I recall seeing at least a few snippets of movies and TV shows showing that.

	▲	martheen 2 hours ago \| parent [-]
		If you mean parents using their children SSN to open a credit card, this is because US banking system is always decades behind the rest of the world, so they just accept the number blindly even though technically the children aren't allowed to open a loan yet, being minor. In theory once the child grows up and shocked that their credit score is ruined, they can file a police report to wipe the debt, but that also means their parents will go to jail, a large risk considering they're likely not in a good physical/mental health in the first place. Other countries solved this by either having national ID or a working KYC system.