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.
Purely for the software it's coupled with, to teach them about budgeting and basic financial literacy (interest rates etc).
Debit card apps for kids are collecting a shocking amount of personal data
121–130 of 148 posts
Re: Debit card apps for kids are collecting a shocking amount of personal data
#122Earlier quoted context omitted.
This assumes the parent is either with kid constantly or parent gave his card to kid. You cant imagine 9 years old to go to buy ice cream or toy?
9 year olds going to the store by thrmselves? In some locations you would be locked up for that. Leaving a 9 year old at home alone would also fall under those rules/laws.
Not everywhere, in many places it is super normal.
Re: Debit card apps for kids are collecting a shocking amount of personal data
#123Earlier quoted context omitted.
Why would that matter to this discussion? I want x from retailer y. Retailer y doesn't accept cash. I use a card. If you have an objection to using cards, you're certainly free to decline to make the purchase. Nothing in any of that seems like it would be age related either. What's the difference between having $20, or a debit card linked to an account with $20?
Some people refuse or can’t have a bank account. Not accepting cash ends up being discriminatory.
Fair enough. The point about the unbanked is pretty convincing.
Re: Debit card apps for kids are collecting a shocking amount of personal data
#124Earlier quoted context omitted.
> Hell, if they’re not getting upset regularly than you’re probably doing something wrong Why so?
There has been some interesting psychological research into insecure attachment styles in children ( https://en.wikipedia.org/wiki/Attachment_in_children has a good overview). In short: It's good for children to be upset and afraid of new situations. That's how they learn that they can rely on their caregivers, who ideally support them in overcoming those situations. Children that lack this mechanism (and e.g. are di…
That does not mean that if your kids are not upset, you are doing something wrong.
That does not mean you have to design those situations regularly. You dont need to upset your kids. It does not mean upset is something that you as parent should always welcome or ignore.
Re: Debit card apps for kids are collecting a shocking amount of personal data
#125Earlier quoted context omitted.
> Sure, now lets try to apply that in practice with a kid angry at you for years. That's called "being a parent" in my circle? I have a toddler that loves to throw the "you're not my friend!" at me when I cut off the TV and tell her it is time for dinner. I never had a cell-phone until 17, despite all my friends having had theirs as early as the middle school years. Never mattered much in my case. I didn't have an X-…
This may shock you, but things have changed significantly in the past 20 years. Technology is even more necessary for social activity than when we were young. And I remember being the kid at the birthday parties that couldn't play video games, and couldn't participate in conversation at the lunch table because video games were most of what my friends talked about. Made me a permanent second-class citizen in my social…
> If the group plays poker, and you aren't allowed because of a moral stance on gambling, that's going to hurt your social opportunities quite substantially.
In this specific case, I dont want them do well in gambling social system. Seen damage it causes in long term.
Generally I agree with you tho. Just gambling group is fine for my kids to not fit in.
Re: Debit card apps for kids are collecting a shocking amount of personal data
#126Earlier quoted context omitted.
just curious, how old are you children? you mentioned having a toddler further up. it makes sense that most social activities are planned by the parents anyway at that age. I remember things starting to change in middle school. kids started making same-day plans for after school and shooting their parents a quick text to say where they were going. I tried using the school's phone a few times when I was invited, but t…
Some of my daughter's second grade friends already have personal cell phones. I am (very) reliably informed that at one nearby school with 6th-8th grade, almost every kid, even the ones from very poor or unstable families, has a cell phone. The tipping point for "over half of my classmates have cell phones" seems to be in the 3rd-5th grade range. The schools let them carry them around all day, too, which is very conf…
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.
Re: Debit card apps for kids are collecting a shocking amount of personal data
#127My 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.
Re: Debit card apps for kids are collecting a shocking amount of personal data
#128Earlier quoted context omitted.
just curious, how old are you children? you mentioned having a toddler further up. it makes sense that most social activities are planned by the parents anyway at that age. I remember things starting to change in middle school. kids started making same-day plans for after school and shooting their parents a quick text to say where they were going. I tried using the school's phone a few times when I was invited, but t…
Some of my daughter's second grade friends already have personal cell phones. I am (very) reliably informed that at one nearby school with 6th-8th grade, almost every kid, even the ones from very poor or unstable families, has a cell phone. The tipping point for "over half of my classmates have cell phones" seems to be in the 3rd-5th grade range. The schools let them carry them around all day, too, which is very conf…
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.
Re: Debit card apps for kids are collecting a shocking amount of personal data
#129Earlier quoted context omitted.
Some of my daughter's second grade friends already have personal cell phones. I am (very) reliably informed that at one nearby school with 6th-8th grade, almost every kid, even the ones from very poor or unstable families, has a cell phone. The tipping point for "over half of my classmates have cell phones" seems to be in the 3rd-5th grade range. The schools let them carry them around all day, too, which is very conf…
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) eliminated. Physical and mental stress for kids aren't allowed, so it's mental and financial stress for parents instead. That's what's in the toolbox.
Doesn't matter in this case, though, since most schools seem to have just declared defeat on the issue.
Re: Debit card apps for kids are collecting a shocking amount of personal data
#130Earlier quoted context omitted.
Some of my daughter's second grade friends already have personal cell phones. I am (very) reliably informed that at one nearby school with 6th-8th grade, almost every kid, even the ones from very poor or unstable families, has a cell phone. The tipping point for "over half of my classmates have cell phones" seems to be in the 3rd-5th grade range. The schools let them carry them around all day, too, which is very conf…
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.