I got a credit card ridiculously easily when I was 18. I had only been at my job (full time) for about 4 months. I had some savings though so maybe thats why they gve it to me. I also got a mortgage at 20 and I wasnt even working in a permnent job. I did go into the mortgage with someone else though...
but yeah, it is sad that banks hand out money so easily sometimes.
Does you SDD work full or part time?? I hope for her sake she is able to repay it. I hate to think how much patrol is going to cost for a big car like that.

Rachel sorry to hear your experience. ouch.