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She needs some cash. Also, you could get her a credit card with her name on it, on your account, and put a spending limit on it. The credit card companies are very good about this. Many credit card companies will give your kid a free card on your account.
Don't do a prepaid card of any sort. They have all sorts of fees, deductions, ATM fees, just awful. Total waste of money.
Your immediate issue is how to safely give her spending money for the trip. But another issue, if she's begging for a credit card, I assume so that she can buy stuff online, is to encourage her to earn money (babysitting is the best money for a 14 yr old girl), and open a bank account for her. That way, she can start learning about earning, saving, and buying what you want with the earned money.
Any parent that gives a child a credit card tied to that parent’s bank or own credit account can certainly check online or via phone/remote to see how it is being used...
Also give her a credit card for emergencies. Your credit card companies can issue her a card as an additional user.
Most importantly, if you have a good credit history, she will be linked to it as an additional user. It is a great way to jumpstart a child's credit worthiness.
When she returns home, only alone her to use it with conditions.
I would just make her an authorized user on your credit card, plus give her some cash in case she's somewhere that doesn't accept cards. Prepaid Visas/Mastercards have too many fees.
Most 14 year olds I know can run circles around things that "seem easy to an adult".
This isn't the same thing at all.
We aren't talking about downloading music. Standing at a checkout while your friends are yelling that the bus is leaving as you try to remember what your PIN number is and whether you swipe or insert is a different "skillset."
I would just make her an authorized user on your credit card, plus give her some cash in case she's somewhere that doesn't accept cards. Prepaid Visas/Mastercards have too many fees.
I would NEVER give my teen access to my CREDIT LINE as a authorized User. If my Credit Card offered a separate card where I set the limit, I might do it.
When my son was that age I would just deposit money into his "Checking" account, He would use his debit card, But he had a set amount of money.
Sometimes teenagers don't think, There is a disconnect in the brain when you use a credit card, from money. Think about it would you hand $10,000 in Cash to a 14 Year Old? And tell them only spend $50 from it? That is what you are doing when you make them a authorized User on your Card.
Get her a youth bank account--it only takes about an hour at a local branch. Then she can have a card for purchases and ATM; send her with some cash as well.
At some banks (like Capital One), you can set limits for daily spending, and set-up alerts based on transaction amounts or balance. It's a good training tool for real-life. My kids manage their own accounts. When they run errands for me, I can easily transfer money to cover those expenses. We use USBank, but started with the Capital One Money account for the oldest.
As soon as my kids turned 16, they each got their own checking account with a debit card. My husband is on both accounts (because he's the one who took them), so he can see what they're spending money on and that sort of thing. I'm not sure if kids under 16 can get accounts, but I've found that to be the least stressful way of giving them autonomy with spending while still being able to keep an eye on things.
On School trips like these, The meals are "Included" in the trip cost.
Breakfast is normally a buffet at the hotel, that is included.
Lunch is "On your own" with the group at a limited number of places, (Student might have to pay for this).
Dinner is normally at a "SitDown" restaurant or Buffet at the hotel. Included in the Trip Cost.
The SitDown the students have to select meal from a limited menu, or are given a amount they can spend off the standard menu. The entire bill for the group (meal, tax, tip) is paid for by school from the Trip Money.
Ah, I see the difference, in every school district I have worked for the cost of the trip only includes transportation and hotel cost. Meals are never included.
I would NEVER give my teen access to my CREDIT LINE as a authorized User. If my Credit Card offered a separate card where I set the limit, I might do it.
When my son was that age I would just deposit money into his "Checking" account, He would use his debit card, But he had a set amount of money.
Sometimes teenagers don't think, There is a disconnect in the brain when you use a credit card, from money. Think about it would you hand $10,000 in Cash to a 14 Year Old? And tell them only spend $50 from it? That is what you are doing when you make them a authorized User on your Card.
Amex and my credit union visa let me choose the limit for my kids authorized user cards.
Ah, I see the difference, in every school district I have worked for the cost of the trip only includes transportation and hotel cost. Meals are never included.
Most class trips I went on meals were included, except sometimes a lunch if we had 'free-time' and there was a food court or something. Any other meals that we spent together as a group, the school paid for.
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