(2015·合肥第二次质量Personal money－management website ting as young as middle school.The website says a credit card will help children master responsible spending habits and give parents the chance to teach them some valuable lessons.

　　It’s absolutely true that kids should learn about how a credit card works and how to use it responsibly.But the idea that they need a card of their own to practise is questionable.

　　Yes，credit cards are a teaching tool，but it’s the time you spend educating them about money management that does the teaching，not the piece of plastic.Sit down with your child—here we are referring to teens and walk them through your credit card statements.Point out important things like the due date，late fee warning，and APR(年贷款利率)．e of your credit cards also provides teachable moments.Allow kids to use the card to make specific purchases and require their participation in payment.

　　Since the card is still in your name，you can take them off it at any point and cut off their access if they’re not able to handle the responsibility.

　　Another option is to set them up with an account at a local bank that offers free use of a debit card(借记卡)．Unlike credit card(透支) function.Children can only use the card to pay for things and the money is taken directly from their bank account.If the account is empty【解题导语】　本文是一篇议论文。一家网站认为给孩子办理信用卡有助于孩子养成良好的消费习惯增强他们的责任感。但是作者认为父母教育孩子管理钱财的最好办法是把孩子添加为自己的信用卡授权用户或为孩子建立借记卡账户。how to save pocket money.

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