Earlier quoted context omitted.
Why would a 16 year old not use their own card?
Would they be given their own credit card, or would it be under the parents? Over here minors can't enter into debt contracts like credit cards, so it'd be a direct debit until they are adults.
Think business accounts. The name on the card might be some agent of the company but they're not directly responsible for paying the debt. The business is responsible for the debt.