My dsis has sent me this message: "Struggling to get DD(13) xmas present as I've failed credit check. Would you get a phone contract (2, actually, one for DS(11) in your name and I will pay bills?"
They already have PAYG phones but dsis says these contract phones are a bargain and the contract means they will always have credit so they can ring her.
I think she is making a mistake, therefore I have refused. AIBU?