You would have to get a credit card though.
I don’t have one and I don’t want one. A debit card is good enough for me and those are possible and common to get before you turn 18.
I also imagine it’s easier for kids to get their parents to enter their credit card details compared to an ID card without asking questions.
pearsaltchocolatebar@discuss.online 1 week ago
You should never use a debit card online, though.
lud@lemm.ee 1 week ago
Why?
pearsaltchocolatebar@discuss.online 1 week ago
With a debit card that’s your money at risk. With a credit card it’s the credit card company’s money.
Credit card companies are required by law to reverse fraudulent charges, but banks aren’t.
InFerNo@lemmy.ml 1 week ago
What law? My bank will (and has) reversed charges.
Lots of American defaultism in this thread. I only want to state that outside of the US things can be different with regards to banking.
For example, taking up debt is discouraged, while in the US it is encouraged to get a good “credit score”.
prole@sh.itjust.works 1 week ago
Don’t most debit cards (the ones that have the “Visa” logo) get processed as credit cards online anyway? Unless you’re entering your pin number (which, I would highly advise against ever doing on the internet), then it is processed as a Visa purchase.
Blackmist@feddit.uk 1 week ago
Plus there’s extra protections for credit cards, at least in the UK. Spend a certain amount and if the company goes bust you get your money back. Saved my ass with two different airlines that got into financial trouble once they’d taken my money.
I think fraud is required to be refunded by banks as well as credit issuers, but I’m sure most people would rather have money to spend on food and bills while they investigate, and you’re not going to get that if your account has been drained.
skulblaka@sh.itjust.works 1 week ago
Debit card is tied directly to your bank account with no rollbacks. If somebody gets that info and decides to clean out your bank account, that money is gone, period, and you’ll never see it again.
With a credit card, you have a degree of separation and the ability to contest or roll back charges. Debit cards don’t do that.
InFerNo@lemmy.ml 1 week ago
You’re in America, right? This isn’t necessarily true everywhere.
meliante@lemm.ee 1 week ago
The do in Europe, mate.
lud@lemm.ee 1 week ago
I have just set so that I need a digital ID to use the card for digital purchases.