[subscribed]

Incidentally I checked my local laws and it's not possible in any of the banks (UK) to add the underage person to my CC account due to their ToS and perhaps regulations.

Debit? Sure, some banks will issue them to 11-12 year olds. Credit? Apparently not.

[kay_o]

US you can get a debit card or authorised user CC pre-18 fairly easily. I assume might be why.