The peer groups of adolescence, especially teens, are often based on athletic, social, or academic interests and abilities; on distinctions of race, ethnicity, and social class; and on proclivities such as drug use and delinquency.
Although children at all ages are distressed by parental divorce, during the teen years it can result in potentially dangerous behavior, including drug and alcohol abuse, promiscuous sexual activity, violence, and delinquency.
Maturity starts developing during this time; the young person acquires self-certainty as opposed to self-doubt and experiments with different constructive roles rather than adopting a negative identity, such as delinquency.
The card companies have strict requirements about the circumstances under which a negotiation can happen, and it's usually when you're at a point when your credit rating is already damaged by delinquency.
Some studies of boys with antisocial behaviors have found that companions are mutually reinforcing with their talk of rule breaking in ways that predict later delinquency and substance abuse.