Kreditkarte

Lassen Sie Jugendliche wissen, was es bedeutet, eine Kreditkarte zu haben

In den meisten Fällen, in denen die meisten Teenager am Wachstum interessiert sind, kann eine persönliche Kreditkarte oder mindestens eine Version des Zahlungskunststoffs der Messingring des Erwachsenenalters sein. Wie so viele Dinge heute, von Make-up bis zu Mobiltelefonen, erhalten Teenager früher Prepaid-Karten und Debitkarten, manchmal sogar, bevor sie die Mittelschicht erreichen. Aber bist du bereit dafür?

Oder vielleicht nicht. Nach einer Umfrage von Charles Schwab im Jahr 2011 öffnet sich ein neues Fenster. Obwohl 42 Prozent der Teenager bereits über eine eigene Debit- oder Bankomatkarte verfügen, glauben nur 35 Prozent, dass sie wissen, wie sie eine Kreditkarte verwalten. Umso weniger verstehen Sie, wie Kreditkartenzinsen und -gebühren funktionieren. Jeder vierte amerikanische Teenager meinte, eine Debitkarte sei da, um Geld von der Bank zu leihen, nicht um eigene auszugeben.

Aber wann und wie? Eine harte und schnelle Regel gibt es nicht. Die Sprecherin der Credit Union National Association, Michelle Dosher, unterschrieb ihren Sohn der achten Klasse für eine Debitkarte und sagte: “Wir sahen dies als eine Zeit, in der unser Sohn mehr mit Freunden unternahm und wir nicht immer bei ihm waren, um für Dinge zu bezahlen.” Sie sagt.

Bill Hernandez, Präsident von SpendSmart Payments, der eine vorbezahlte MasterCard an Jugendliche vermarktet, erklärt sich damit einverstanden, dass “sie etwa 13 Jahre alt sind, um ihnen den Umgang mit Plastik beizubringen”.

Aber für Laura Levine, Präsidentin und CEO der Jumpstart-Koalition für persönliche Finanzbildung, können einige Jugendliche nur mit Plastik umgehen, wenn sie alt sind. Einige Eltern haben auch keine. “Ich sage manchmal, dass die Frage nicht ist, ob der Schüler bereit ist, sondern ob es die Eltern sind”, sagt Levine und weist darauf hin, dass Eltern, die ihr Kind für ein Debitkonto, ein Prepaid-Konto oder ein geteiltes Kreditkartenkonto anmelden, von ihnen erwarten die Ausgaben ihres Kindes praktisch überwachen. “Wir geben unseren Kindern nicht die Autoschlüssel und sagen:” Vielleicht können Sie lernen, wie man dieses Ding fährt. “Es ist dasselbe mit einer Kreditkarte.”

Ein Teil des Teenager-Problems besteht darin, dass die Ausgabe von Plastik Geld “unsichtbar” macht. “Da unsere Kinder Vorschüler sind und mit uns in den Laden kommen, können sie nie sehen, wie Geld den Besitzer wechselt”, sagt Levine. “Zweifellos sehen sie uns eine Karte stehlen, aber sie denken:” Dies ist eine magische Karte, Sie stehlen sie und bekommen, was Sie wollen.”

Um fair zu sein, betrifft das Invisible Money Syndrome auch Erwachsene, die mit einer Kreditkarte mehr Geld ausgeben als mit Bargeld. “Beverly Harzog, Autor von Confessions of a Credit Junkie, sagt:” Als ich 20 Jahre alt war, geriet ein Teil der Trennung zwischen diesem Stück Plastik und Geld in Schwierigkeiten “, sagt Beverly Harzog.” Was Sie wissen müssen vermeide meine Fehler “” Es fühlte sich an, als sei alles frei und ich würde mir später Sorgen machen. ”

Um dem entgegenzuwirken, raten Experten für Finanzkompetenz den Eltern, jüngeren Kindern Geldzuschüsse zu gewähren, um zu lernen, dass Geld greifbar ist, Wert hat und für Dinge, die sie wollen, eingetauscht werden kann. Versuchen Sie, zumindest einige Ihrer plastischen Transaktionen mitzuteilen, wenn Sie wissen, dass Ihr Kind zuschaut, indem Sie Folgendes tun: “Wenn ich meinen Gehaltsscheck auf mein Bankkonto stecke und meine Debitkarte verwende, wird das Geld automatisch abgehoben” oder “Jeder.” Wenn ich meine Kreditkarte ziehe, verfolgt sie die Zentralbank und am Ende des Monats bekomme ich eine Rechnung, die ich bezahlen muss. ”

Unabhängig davon, wie alt Ihre Kinder sind, wenn sie ihre erste Karte erhalten, erhöht die Auswahl der richtigen Karte ihre Chancen, sie erfolgreich zu managen und größere Katastrophen zu vermeiden. Überlegen Sie sich diese Optionen:

Debitkarten Sie sind die erste Wahl für junge Leute im Harzog, auch weil die Debitkarten mit einem eigenen Girokonto eines Teenagers verknüpft sind, was den Ein- und Auszahlungsprozess noch konkreter macht. “Als Teenager finde ich es sehr wertvoll, Ihr Kind zur örtlichen Bank zu bringen, es dem Manager vorzustellen und ihm zu zeigen, wie Banken arbeiten”, sagt Harzog. “Um eine Einzahlung zu tätigen, gehen Sie zu ihnen und zeigen Sie ihnen, wie es funktioniert. Wenn Sie physisch anwesend sind, können Sie das Geld, das sie in die Bank investieren, geistig an das Geld binden, das sie ausgeben.” Es ist bekannt, dass ich mit dieser Debitkarte Pizza kaufen kann. aber es wird von meinem Konto abgezogen. ”

Jugendliche sicher:

Der Überziehungsschutz ist auf der Debitkarte verfügbar. Wenn Ihr Teenager versucht, einen Scheck auszustellen oder eine Lastschrift zu tätigen, ohne ausreichend zu prüfen, wird ihm eine Gebühr in Rechnung gestellt. Andernfalls “wird Ihrem Sohn oder Ihrer Tochter möglicherweise eine riesige, unzureichende Gebühr für den Kauf einer Flasche Soda berechnet”, sagt Dosher . “Dann kann es ein Schneeball sein – jeder kleine Kauf von dort kann eine weitere NSF-Gebühr auslösen, bis der Teenager herausfindet, dass nicht genug Geld auf seinem Konto vorhanden ist.” Erkundigen Sie sich, ob Ihre Bank oder Kreditgenossenschaft ein kostenloses Studentenkonto ohne Mindestguthaben anbietet. Stellen Sie nur sicher, dass es Zugriff bietet.

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