"Does your teenager need a credit card?" (Agree or disagree)

I don't agree with the text by Miss Smolkin. I don't think that early teens should have their own credit cards, because in my opinion, there is no need if teenagers live with their parents and don't work.

Stereotypically, teenagers don't represent responsibility (overall). There could be so many possible problems that could lead from getting, or even owning  a credit card. The teenager's wallet could be stolen, and if the parents are paying interest for the credit card, there's a chance they'll have to pay after the son or daughter's credit card was stolen. And, usually adding up to the possible money that was used by the robber, the money could add up to large amounts.

Teenagers can also could be tempted to overdo the money,if the parents don't keep track of them, making greater debts. There are so many things to buy in this world, and credit cards provide a very generous amount of 'extra money', making shopping or spending a worse temptation in my opinion.

If I were a parent, I would give or permit teenagers to be loaned money. If by chance they lost the money loaned to them, it could've been much worse if they'd lost a credit card. At least at that point, I'd know to choose if the teenager 'deserved the credit card' from their responsibility.

I'm in favour of not having a credit card, because I don't actually think I need one. I probably won't be in necessity for one, until I start working or go to school where my parents aren't. I never have money on me, or a bank account, I don't have a wallet and my family doesn't really do the 'allowance' activities. This is partially because I don't take the TTC home, but I walk. I don't use money when I go to school, and I don't buy myself things. My parents get me things when I need them ( or on my birthday or Christmas.

In the end, I don't think teenagers should have a credit card, if their parents still buy them food, and
they live with their parents. If they don't really pay taxes, work or live away from home, it's not very necessary. Having a card could bring danger, and unnecessary temptations to overdo the money on the credit cards.