If you are like most parents then you probably use your debit card for kids under the age of thirteen. The debit card is a convenient way for parents to give their kids a card to use while traveling and having an account to keep track of purchases with.
You can actually do more with the cards for kids under thirteen than a credit card. There are many different features that they come with and you can have them make purchases in just about any way. Most stores will have a limit on the amount of money that a child can put on the card before the account is closed down completely.
Some parents prefer to have their children use a credit card while traveling. If your child has the money for the account, this is the easiest way to get them to travel and purchase items. You can pay for the purchases using the credit card in just a few different ways. They can use it at any store that accepts plastic, like your local Wal-Mart or Target, and they can transfer the money into your account.
Another nice feature to the debit card for kids under thirteen is that you can get them started in the world of online shopping. It is easy to get them enrolled and started in online shopping because they will get to see and compare prices as well as being able to make purchases online.
In the end, it really comes down to what you want to teach your kids when it comes to using a debit or credit card. You need to consider if it is something they are going to use often or if they are just going to use it as an occasional trip to the store. Most stores do not charge a membership fee for you to get your child a card for kids but you may have to wait a while for the child to be old enough to sign up.
With all of the benefits that you can get out of a debit card for kids under thirteen, there are many reasons why it may be a good idea to get them a card that is used mostly for shopping online. They can be very helpful when they are older and should be able to handle their finances better.
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