[graypegg]

Though couldn’t a teenager (older than 14, but still) understand the value that deferring paying for something is useful in context to a part time job? I would only get paid at certain days, and knowing generally what I’ll get at the end of the month after tips and hours, I could budget for that number rather than what I have in the moment.

[actionablefiber]

Then the teenager might ask, sure, that's credit like a bar tab or whatever and credit is convenient for all kinds of reasons, it's just, why do you need a whole other company to get involved and issue a specialized card to do that? Why doesn't the bank just say "we'll let you overdraft up to $4000 without any fuss but you'll have to pay interest on the negative balance"?