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By the time a teen is old enough to be eligible for her own credit card, she should already know how to handle it responsibly.

Introduce tweens to a debit card, either prepaid or connected to a bank account (their own).

Account opening offer *To qualify for this offer you must apply and be approved for a consumer Walmart Credit Card account online at and make a qualifying purchase on the same day you open your account (excluding cash advances, gift card sales, money orders, and gas purchases).

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Teens can handle credit and debit cards with guidance.

An obvious disadvantage is that the parent is responsible for the account and any charges incurred.

In fact, the damage can go in either direction: the child’s credit will suffer if the parent fails to make payments on time or carries a high balance.

A secured card is one that sets a credit limit based on the size of a security deposit placed on the account, typically $300 to $500. Transactions are handled in the same manner as they are on traditional accounts – the user makes purchases, the purchases show up on the statement, the user makes the required payment by the due date.