Provided you have good credit，adding a child as an authorized user onto one of your credit cards also provides teachable moments.An authorized user can use the credit card，but is not legally responsible for paying it.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.The overdraft(透支) function of a debit card，unlike a credit card，is turned off.Children can 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(收银机) rather than charging overdraft fees.A debit card won't help build their credit history but it will give them practice budgeting and managing their money.

　　With this foundation，when it's time for your child to get a credit card of their own—preferably by the time they're heading to college—they'll be well－equipped to use it responsibly.

　　【语篇解读】　本文是议论文。文章主要讨论了家长应该对孩子使用信用卡持何态度。

　　21．For whom is the text mainly written?

　　A．Students.

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