I got one when I was 12, but that was also 20 years ago now. It was a business card and had a credit limit of $8,000. My parents weren’t on the card. It confused me then almost as much as it confuses me now. Maybe their income counted as household income?

I got it because they didn’t like to use their credit cards online. I used it to buy my own PC.

Jesus, how can you allow a 12 year old to rack up $8000 in debt?

Ultimately, I don't think minors can legally enter such a contract, so if he did rack up debt and the card company pursued it, it might have been dismissable if his age then came to light.

Well, that could have been a fun spree. They must have asked my date of birth, though.

You signed up online or in person at a bank? What did you say your “business” was?

This was long enough ago that I believe it was over the phone, and I don't remember.

I wonder if I squeaked.