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my 13 and 16 yr old were declined on USAA debit card

my 13 and 16 yr old were declined on USAA debit card

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Posted in visa-mastercard-policies on Jan 18, 11 at 6:45PM
my kids have the USAA debit card ( thats how their allowances are funded) the shopped in the mall with no problem but went to a 7-11 who said no ID, no use of card.... I wasnt witht hem and it wasnt the 7-11 near my house so I cant really make a complaint which ticks me off to no end
Interesting. I have been asked for ID at a corporate owned 7-11 a few times, complained (just to the store manager), and they changed their policy. Most of their locations are franchise locations where ID has never been requested from me in this area. Given their highly franchised store base though, such policies in some locations do not surprise me. I guess we are just lucky in this area to not have franchisees who are paranoid about card use. And ID for a debit card? That's really out- but it may have been because they are 13 and 16...
 
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its a Visa logo'd debit
 
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PIN-based or signature-based transaction?
 
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PIN-based or signature-based transaction? can do either...its a standard Visa debit card they were refused for a credit transaction....wasnt offered the opportunity to use as a debit.... my son always forgets his pin ( and is 13) so he never tries to use as a debit....he wouldnt have pursued it
 
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PIN-based or signature-based transaction? can do either...its a standard Visa debit card they were refused for a credit transaction....wasnt offered the opportunity to use as a debit.... my son always forgets his pin ( and is 13) so he never tries to use as a debit....he wouldnt have pursued it Ok, just curious. Not that they should be denying for either one, but if it was PIN-based that'd be really strange.
 
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7-11 is no signature required for credit card purchases under $25. Although I can understand a clerk being a bit wary of a 13 year old trying to use a credit card, assuming the back of the card is signed... I thought you had to be 18 to have a credit card in your name. Maybe times have changed. Maybe an authorized user can be under 18?
 
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the USAA debit card is Visa logoed...is a prepaid debit card I use it to pay my kids their allowance..it also helps me track their spending FWIW, you have to be 18 to be able to sign a contract ( card application & agreement) but you dont have to be 18 to be AU some companies still would only allow AUs if over 18.... Amex sent me something recently saying they changed their policy to allow children to become AUs at 16
 
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TeeSharice Do you think your kids are learning to be more responsible with the use of CCs by doing their allowance this way? I have been doing a lot of thinking about how to show my boys the imprtance of using CCs the right way before they the get to the age where they can get CCs on their own. Now just a warning..I am thinking WAY ahead, they are only 3 1/2 and 6 1/2 now.. We have already stated working on cash aspects of money management..
 
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I don't think this method teaches anything about credit cards and managing a line of credit, as it's more an alternate form of limited cash than a credit card, but it does help teach how to budget and live within one's means. Which comes before credit, IMHO.
 
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I don't think this method teaches anything about credit cards and managing a line of credit, as it's more an alternate form of limited cash than a credit card, but it does help teach how to budget and live within one's means. Which comes before credit, IMHO. Thanks for the input. I hadn't thought of it that way.
 
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I can see the problem if it was signature based, which most stop and run shops have in these neck of the woods. However, if it was a pin based transaction, it would be weird to see that problem. Don't your kids have a student ID? Most motor vehicle departments will grant you a picture ID for $10. Should check that out.
 
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my 16 yr old refuses to take the driver's test so I got her a state ID... my 13 yr old is too young for either but REGARDLESS it isnt necessary since the back of their cards are signed
 
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I heard some money management woman on public radio the other day saying to NEVER distribute allowance via check card. She said that kids won't learn the value of money because they won't hold actual bills. I think she's a fool and don't know how she came up with that reasoning. If you hold credit cards up to some mythical status where only adults can use them to make big purchases then kids won't learn about them and when they do turn 18 and get credit cards of their own they will lack an understanding of them and be more likely to abuse them (similarly to how some college kids abuse drugs and alcohol excessively because they have no prior experiences with the substances)
 
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"Money" management and credit management are different enough, IMHO, that one does not affect the other. At least not directly. "Money" management is more budgeting and delaying gratification and planning while credit is more self-discipline. While there is something to be said for watching the money literally leave your hands instead of reading some sterile receipt, I'm not sure how I feel about the no check card thing, though. I've also known plenty of college kids who used drugs and alcohol with years of experience. I don't think there's a direct correlation there, either.
 
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You have to be 18 to have a credit card where you are legally responsible for paying. There is no age requirement for an authorized user... the AU has zero responsibility for paying the bill. Debit cards... it depends on the bank. Some will let minors open accounts under 18. Others require a parent to be on the account until the minor is 18 (so the parent is responsible if the kid overdraws.) It's a shame that her kids backed down from the idiots at 7-11. Though, as a 13 year old someone who is older could be intimidating.
 
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With a PIN# ... if the ID matches 100% and the pin# is wrong... the transaction is STILL declined. my 16 yr old refuses to take the driver's test so I got her a state ID... my 13 yr old is too young for either but REGARDLESS it isnt necessary since the back of their cards are signed Your 13 year old doesn't need any ID to use the card. If the 16 year old is asked for ID on the signed card he should refuse to show it. Quite frankly these days it is unsafe to walk around with cash. The only time I see college-aged people these days with a lot of cash is if they are trying to show off (and it doesn't work). Most people in college these days carry <$50 in cash and use credit/debit cards.
 
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Very true. So true that our campus has adopted a campus-wide credit card acceptance policy. So you can use your credit card anywhere. We also have a campus card, that you can preload with money to use around campus (vending machines, food court, printer, etc.)
 
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They are 13 and 16. If a 13 year old came into my store with a cc I'd card them too. However if they used it as a debit, than whatever. I wouldn't. I just cant imagine the fuss some people throw out there about asking for an ID. I ask for ID's- to see your name and picture. If you have your pic on your card or its debit, all is ok. i dont need to see it. To me a signature comparison is pointless, because at that point the transaction has already taken place. From what I've read I'll probably catch some flames and sarcasm for this, but its all common sense to me. I'd rather someone ask for my ID to make sure its me BEFORE the transaction takes place. That said, if my picture is on the card they dont need to see my ID.
 
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Heck with all the tween branded Visa and MC schemes (what about cash cards branded with companies names) I can't see many young ones carrying around ID (your papers please - from a 7-11 clerk?
 
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Well with CC and debit cards you can track the spending - of course giving kids actual money may be far fetched (I can hear it now - that way they can't buy crack with their lunch money) but this kiddie card thing and cash cards (what a stupid idea) is only to get the kids now used to it and a cashless society. Wait until the chip is implanted in their arms or their SS# tattoed on their foreheads. (Go to ) - frightening on what they are doing.
 
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Might as well have them fingerprinted and DNA samples taken while at the DMV. Heck, it's for their protection. Your papers please......
 
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I would think in some neighborhoods a 13 year old trying to pay with any sort of VISA card could rise to the level of "reason to suspect fraud". The nature of the purchase would also be a factor, though the teen could be a "runner" that someone sent in to test if a stolen card was still valid. A 16 year old who doesn't want to drive? Now I've heard everything.
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