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According to the new Credit analysis, 40 percent of the annual fee carrying cards waive that charge for the first year.

And last year, a site survey of 987 card-carrying adults found that of those who had asked for a late payment fee waiver, 86 percent got one.

Mary Beth Bailey, who teaches financial education in Bryant, Arkansas, said her seventh-graders consistently do not grasp the difference between credit and debit.

And, she said, not many 13- to 15-year-olds know what a credit score is, or why it matters .

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Nearly 1 in 5 American teenagers ages 13 to 17 now has a credit card, and the majority of them use their card at least once a week, according to a survey by credit reporting agency Trans Union.In This category there are 9 Country chat rooms for USA, UK, Arab, Spain, Europe, India, china and Pakistan.Meet hundreds of attractive People in these chat rooms. Connect and meet new attractive people live with No registration or signup required. Find plenty of people interested to make new friends online through video chat. Here you will able to chat with anonymous strangers instantly and where you can pick another user at randomly very fast.Of course, children this age still can’t have their own credit card account because they cannot enter binding contracts.

Until they’re at least 18, they will need to be authorized users on an adult’s account.

In fact, make sure they understand all the terms that come with credit cards (we can help – check out this glossary of terms for first-time card users, and these credit terms for students).

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