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Credit Cards

No matter where you get your cash - an allowance, a part-time job or the Tooth Fairy - you wanna make sure you get the most bling-bling for your buck. Kidzworld has the 411 you need to keep your finances under control.

What Is Credit?

When you buy something on credit, it means that someone loaned you the money for it - usually a store or a bank. Credit cards (Visa, MasterCard, whatever) are cards you use to buy stuff with, instead of using cash. Credit cards are totally convenient and they help out in a financial emergency (no, wanting a new L.A.M.B. purse doesn't count as an emergency) but they aren't perfect. If you don't pay off your whole credit card bill when it comes at the end of the month, you'll be charged interest on the remaining balance, which means that that $50 sweater you put on your MasterCard could end up costing you a lot more than $50 in the long run. This can totally add up and you can wind up owing big money to the credit card companies if you're not careful.

Who gets Credit?

To get a credit card of your own you need to be 18 in most countries. Some kids get credit cards that are linked to their 'rents accounts. Your folks are totally responsible for all of the charges on these types of cards, so be extra careful with them! When you go to college, you'll notice tons of credit card peeps will try to convince you to sign-up for their card. If you decide to go for it, make sure you read all the fine print and get the lowest interest rate you can find. Once you've got a credit card, make sure to make all your payments are on time cuz if you don't, it will look bad on your credit rating. Your credit rating is a score that is used to decide if banks will lend you more money (for a car, house, new business, etc.).

The Hilary Duff Visa

Just cuz you're too young to have your own credit doesn't mean Visa doesn't want your business! Hilary Duff and the folks at Visa have teamed up to bring you the Hilary Duff Visa Gift Card. It's not a credit card cuz you can only spend whatever amount of cash your 'rents loaded it up with, but you can use the card anywhere Visa debit cards are accepted. These cards are cool cuz they give you the opportunity to spend your cash anywhere - you aren't limited to one store like you are with a gift certificate. Just keep in mind that getting used to buying everything on plastic is an easy way to get into bad spending habits in the future. A real Visa - or any other credit card - is not a toy!

Your Money

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What Do You Save Your Allowance For?

  • A big day out with your pals.
  • Video games and computer stuff.
  • Clothes, clothes and more clothes.
  • CDs or posters of my fave musicians.

Random In The Forums

jordand08 posted in New Users:
Welcome to KW! 
reply about 2 hours
Hi, Alex! I think I'm a little late, but still... hi :3 It's cool that you're one of the LGBTQ+. I feel I don't know many people who are :P Late welcome to KW!
reply about 2 hours
I'm in competition with no one , but I'm struggling just to be better than yesterday.....
reply about 3 hours
Here's my own forum for stories I write. I love writing, but I get kinda lazy sometimes. Expect a slow trickle :P It'll be a mish-mash of short stories I write. Some will be parts of an overall story, similar to chapters, and some will not. I'll try and note what page each part of a story is on and stuff. Now, the first one, that I wrote back in eighth grade. Very random and kind of odd. I didn't write it to be accurate, but to be silly and have fun.  Xp Starts out seeming very morbid, but trust me. It's not actual stuff. Note: It's not my best writing, though. I've improved. *** The dragon destroyed the entire village. Fires burned everywhere. Dead bodies laid on the ground to rot and appease the hunger of animals. Only one person--I mean two--were still standing; Khedra and Sammich. Trembling, Sammich stared at the horrendous beast. Khedra, brushing sand out of her bronzed face, spun, looking for it. "Sammich, where is it?! Tell me now or I'll slap you!" she shouted. "O-over there," Sammich said, pointing. "Where is there?! I CAN'T SEE IT, YOU DERANGED DONKEY!" Khedra yelled. "Open your eyes, woman!" She opened her eyes. Seeing the dragon, she grabbed her curved blades from the sand at her feet. "Don't just stand there, Sammich, fight it!" Khedra exclaimed, right in his ear. "But I don't have a weapon!" Sammich replied. "Because you're not scary!" "You said I'm not scary?!" Sammich bellowed. His English accent made Khedra's cheeks puff up with suppressed laughter. "Don't you laugh at me!" he continued, stomping over to the dragon, who was staring him down as a father does a disobedient son. Sammich grabbed one of the dragon's legs and started yanking on it, without effect. He looked like a savage, screaming his head off in a long battle cry. The dragon snorted, lifted its leg, shook Sammich off, and flew away as Sammich landed with a miniature mushroom cloud of sand and a loud POOF! The dragon clearly believed the young man wasn't worth his time. Chuckling, Khedra sheathed her curved blades while striding to Sammich, lying, frustrated, in the sand. She stuck out a hand, offering help to her friend. Sammich, scowling, with an adorable pout, took her hand and allowed her to pull him up. "We got rid of the dragon, everyone! You can stop hiding, now!" Khedra announced. The villagers disguised as rotting and torn bodies picked themselves up. The mage nearby let the illusion of fire fade from the houses, and stepped out from one of the buildings. "Bye, peoples!" Sammich called, shaking sand out of his tousled, chestnut hair. Khedra and Sammich ran off into the desert, towards the Oasis. *** I'm working on another one, now, so I'll at least post the fragment I have done tomorrow. This one I'm posting tomorrow will be better XD
reply about 4 hours
jordand08 posted in Debating:
"jordand08" wrote:Pink_Cool_ Girl, watch your language.​Anyway, no. Abortion shouldn't be about a choice. I believe in early abortions for those who are raped or molested. However, when you become pregnant, you know theres a CHANCE you COULD get pregnant, if you don't want to, use protection. People know the consequences with doing the "dirty", so if you think youre mature enough to do it, you can be mature enough to be a mom. And if you don't think you want to be a mom, theres adoption. Theres too many people who cant have babies for unknown reasons, I think that if you abort a baby, youre just throwing a smack in the face to those who cant have children.
reply about 9 hours