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Debit card apps for kids are collecting a shocking amount of personal data

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Re: Debit card apps for kids are collecting a shocking amount of personal data

#131
post #23
post #17

Earlier quoted context omitted.

For a kid? Such as?

Friends.

Well, they said “services”, so I was curious what they meant there, since it sounded like something actually required, like to get signed up for school or something. I guess social media services might be what they were talking about, though.

Re: Debit card apps for kids are collecting a shocking amount of personal data

#132

My son has a Greenlight card. It's been fantastic for helping him understand allowance, savings, charity in a more modern age than when I used to get cash I put in an envelope with a table on the front. It's taught him about interest and he's able to see quick results (especially when I started his savings account at something crazy like a 500% interest rate to encourage him). As others have mentioned, cash is near u…

>He used to give me cash when he bought Robux etc but cash is also near useless for me. I find this amazing. I live in New York and use cash for the vast majority of my purchases.

Most flyover states (Nevada excluded, casinos love cash) see 95%+ retail payments with cards. Cash is regarded as weird, especially anything over a $20 bill.

Re: Debit card apps for kids are collecting a shocking amount of personal data

#133

My son has a Greenlight card. It's been fantastic for helping him understand allowance, savings, charity in a more modern age than when I used to get cash I put in an envelope with a table on the front. It's taught him about interest and he's able to see quick results (especially when I started his savings account at something crazy like a 500% interest rate to encourage him). As others have mentioned, cash is near u…

> especially when I started his savings account at something crazy like a 500% interest rate

Yikes. What are you going to do when your child learns about compound interest?

The "Parents are untrustworthy and break promises" lesson sounds like a bad plan to me!

Re: Debit card apps for kids are collecting a shocking amount of personal data

#134

Earlier quoted context omitted.

You know, now that I think about it, I'm not sure where I land on this issue. On the one hand, kids not being able to get off their phone to the point it impacts their performance at school is worrying. On the other hand, school is kid prison, and I really can't begrudge any kid who, when having to listen to a teacher for hours on end, takes any opportunity to do something more interesting they find.

It's mostly social media (=bullying), games, or snapping/sharing creep shots of classmates, from what I've heard. To a substantial degree the phones are just amplifying what's already bad about school. Agreed about the entire enterprise of school, as it exists, kinda being horrible kid-prison to begin with, though.

> It's mostly social media (=bullying), games, or snapping/sharing creep shots of classmates, from what I've heard. To a substantial degree the phones are just amplifying what's already bad about school.

I'm pretty sure there's a selection effect in what you heard (eg you only hear stuff about kids using phones was something goes wrong enough to be headline-worthy).

For instance, I'm no fan of social media, but I wouldn't say it boils down to bullying and nothing else.

Re: Debit card apps for kids are collecting a shocking amount of personal data

#135

What does a kid need a special debit card for? When they’re old enough to get a job they can just get a regular bank account.

How many kids do you know with a job? Now that a lot of society is cashless, children need a way to spend their pocket money even.

We have two different teenagers in our neighborhood that help for a couple hours a week to clean the kitchen. Also, it seems that almost every restaurant and store in the Charleston area has a ton of teenage employees.

Re: Debit card apps for kids are collecting a shocking amount of personal data

#136
post #74

Earlier quoted context omitted.

The larger point is not to send your kid to that store if they only accept a debt card. They only exist if you keep going to those stores.

Do your children not have minds of their own about which store they want to go to?

I would think they would go to the one that accepts a form of payment they have would be a priority.

Re: Debit card apps for kids are collecting a shocking amount of personal data

#137

It's more shocking to me that parents are giving their kids cards and making them use apps for allowance.

We kept a ledger on the fridge where we credited my allowance and debited my purchases on my mom’s credit card.

I didn’t have a smartphone but I could text. Around 14 I wrote a little Rails app that would receive transactions via SMS from Twilio. We never ended up using it but it was fun to write. Shortly after that I got a joint checking account with a debit card in my name.

Not surprised at all.

Re: Debit card apps for kids are collecting a shocking amount of personal data

#138
post #110

Earlier quoted context omitted.

And to add further, they don’t know they are being excluded from some more interactive imessage group chats or at the very least talked about or noticed They rationalize their choices with “I don't want to be around superficial people like that anyway” not realizing just how many people are judging and questioning their decision making process “oh god someone thats going to talk my ear off about all the control they…

But remember, poor Apple shouldn't be hit with an anti-trust lawsuit over this.

haha ehh it is just a notification that the SMS is unencrypted, whereas iMessage is encrypted

the culture itself created the rest of the consternation in favor of Apple. Apple can successfully lean on it being an unencrypted notification than an anti competitive practice. Even two iMessage users can randomly fail back to green bubbles and the SMS network, and it has nothing to do with competitors.

Re: Debit card apps for kids are collecting a shocking amount of personal data

#139
post #126

Earlier quoted context omitted.

I would be annoyed too over that. I do need my kids to have phone, cause that is how we coordinate normally and not having them would be pain in ass for me.

Basically all effective punishment a school might use, if humiliation and corporal punishment are off the table (obviously, they are), ends up inconveniencing the parents. The most a school can directly do to a kid that doesn't inconvenience parents is make them stay in a different room than usual during school hours (in-school detention). Most other options have been (and I'm not arguing they shouldn't have) elimina…

I am glad my kids teachers were not thinking this way and managed class with less helplesness.

Re: Debit card apps for kids are collecting a shocking amount of personal data

#140

Earlier quoted context omitted.

What is "green bubbles" a reference to? I understand what you mean, I think, I've just not heard that phrase before. Also, totally agree.

It's a reference to the green background messages in iMessage, which indicate that the other person is not using iMessage.

Ah right. I'm on Android so didn't realise, thanks.
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