[pbhjpbhj]

I got a debit card somewhere around becoming a teenager. But it was probably a decade later that I got my first _credit_ card. They're quite different things.

In the UK under 18 you can't usually be held to a contract and so you don't have to pay back a credit card debt - this makes companies more than a little reluctant to lend to under 18s. You can't get a credit card until you're 18.

Citizens Advice (an established UK charity) say:

>"If you are under 18, it is a criminal offence for anyone to send you material inviting you to borrow money or obtain goods or services on credit or hire purchase. However, if you are over 14 but under 18, you can enter into a credit or hire purchase agreement if an adult acts as your guarantor."

Of course it might vary enormously in other countries but I'd be surprised if it was wildly different in USA?