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I really do not know when my kids got their first credit card.
It must have been after they left home, because when they were living at home, we didn't have any credit cards.
Our youngest (twins) are 37, IIRC.
Parents gave me a gas card when I started driving and added me as an authorized user on their account when I went to college. I am still an authorized user on my parents account in my mid thirties because my mother wants me to be able to charge things to that card in case of an emergency where they are incapacitated or death. That way I can pay their bills (minus the card) and not have to use any of my money until the will is settled.
I got my first credit card of my own when I got my first job. I think I may have about 7 credit cards currently and over the past decade have paid about $0.35 in interest. That one time I forgot the $5 donation on a card I rarely use.
There have been too many times that my numbers have been stolen and had to replace my card to ever want to use my debit card for anything other than getting cash out. I don't want to be days without a card because of some jerk thief.
When they could apply for one on their own. My husband co-signed for our daughter because credit card laws had changed for new college grads (wasn't as easy to get one after the recession). Our credit union had some special card that removed him after 6 months. She needed something for a trip to Europe before she started her first job.
Son got one on his own a few months after he started his first post-college job.
In high school they drove to school and sports practices. It was a relief for me to let them do that. I gave them a grocery store gas station card loaded for their gas needs.
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