If you have good credit, adding a child as an authorized user onto one 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, the debit card has no overdraft (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, the worst that will happen is the card being declined at a cash register.

　　语篇解读：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。

　　12．Why does Mint. com advise parents to give middle school kids credit cards?

　　A．To leave their kids financially independent.

　　B．To help their kids form good spending habits.

　　C．To teach their kids how to save pocket money.

　　D．To strengthen the relationship with their kids.

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