<div>I have just made a brill discovery.</div>
<div>&nbsp;I am probably just thick and everyone else knows about it and&nbsp;cos am behind the times.</div>
<div>There are credit cards, Visa and Mastercards, for kids, that you top up at post offices or on the net, that cannot get overdrawn and will only allow the kiddywinkle/teen to spend what is actually in their account.</div>

<div>My 11 year old tops hers up at the post office with her pocket money, and then uses it online to pay for her club penguin account.</div>
<div>What a fab way to get kids savvy about debt and responsible use of grown up credit cards!</div>
<div>I think debt management and interest rates/mortgage management should be taught at school, but it just isnt, so this is a fantastic way of teaching the little monkeys responsibility.</div>
<div>I got an extra card so that I can top up her card if she goes to stay with friends, as an emergency, but its reassurring to know that if she goes on a school trip abroad she can have access to money of she needs it.</div>

<div>She checks her own statements and I think this is great.</div>
<div>Anyone else use them?</div>