There's speculation that Pat may be planning on declaring bankruptcy to avoid paying Quasi in the future with all the trips he takes and all the reckless spending he indulges in. With that in mind my bet is that Pat got drunk one night, as he does every night, and came up with the kind of brilliant idea that only a drunk 1.7 (1.2 w/o pity credits) GPA scorer could come up with: Signing up for a bunch of different credit cards that he can later max out before declaring bankruptcy.
Unfortunately for Pat the system is designed specifically to prevent that and tank your credit score if you even attempt to do it; however fortunately for him he has a nice little scapegoat to point his large pig-like appendage at whenever anything goes wrong. Surely it is all O&A's fault, those criminal atalkers are out to ruin him! And no child, it is noT his fault that they know his social security number, even though he could've changed it at his local SSO and shouldn't have left it exposed to the public to begin with. I'm sure that'll sound very convincing when his current credit card providers decide to re-evaluate his credit limit.