-
x

Meet New Friends!

Recommended friends are based on your interests. Make sure they are up to date.

Friends
Kidzworld Logo

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

Related Stories

 

20 Comments

Related Stories

Micro_micro_wallet
Do you need a new wallet? Would you like one that’s the exact pattern, size and color you’ve alwa...
Micro_supermonkeyball-article
If you are going off the rails and need some help, look no further than our Super Monkey Ball Ste...
You probably recognize names like Baltic Avenue and Park Place from your old Monopoly set, but th...
F1067448135562

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

PunMaster
PunMaster posted in Say Anything:
(PunMaster apologizes for being gone so long. She was working on the first half of her third chapter of Error and Paperjam- New Soul) 
reply 20 minutes
PunMaster
PunMaster posted in Say Anything:
(PunMaster smiles "No no, it's fine! You enjoy yourself." She giggles. She unfolded the book a bit so two crosswords were there, one for him to work on, one for her. She leaned against him slightly, her gaze bright as she worked) "Well, I had some puzzles planned, but.. I must keep them in top shape if a human passes through so...." Blue thought for a moment, before running off into a snow pile, vanishing behind it, then he popped up, grinning, and chucked a ball of snow at Iron, hiding himself again. 
reply 20 minutes
PunMaster
Chapter 3- Game On -Part 1 (Paperjam POV from here on out)  From the very first moment Paperjam had been allowed outside of the void for the first time, he'd been working on figuring out how to get through, make a portal for himself.. Though he found it came with ease after some point... he wasn't sure why... He always had this voice in the back of his head, helping him sometimes, encouraging him others... The voice felt strangely familiar to him, but he couldn't place it. But he didn't question it.  Paperjam took to sneaking out when Dad(Error) was sleeping, though he knew it might be wrong... he wanted to see the world again, the thousands, millions of worlds he'd been shown. And honestly.. it was beautiful to him. But he would come to regret his actions soon.  Paperjam slipped off his bed silently, grabbing his sketchpad and pencils, moving across the gap in the void between his and Dad's 'room', checking that he was asleep.. he was. Good. He then backed away quickly and quietly, before turning around, and darting back to his room, and waved a hand, a portal opening behind the invisible trail his hand had left, and he climbed through, leaving it open. He never closed it behind him, in fear of possibly getting locked out of the void. He looked around. Today, he was in Underswap. Cool. He always liked this place, just because it was neat to observe and draw the people. There were others that were more fun, but he just was attached to this universe for some unknown reason to him. He couldn't explain it like many other things he liked and did. He just liked it because he liked it, no other reasons here. He walked through the snow of Underswap's Snowdin forest, carefully making his way into the town, glancing around, and then he slipped away behind Muffet's. He had a special place set up for himself on the roof of Muffet's. He went to the trees, and grabbed his ladder (he'd managed to find one that nobody was using, and hid it away so he could get up on the roof. He could probably teleport, but he wasn't testing that theory yet.)   He leaned the ladder against the building gently, then made sure it was secure, stuffing his pencils in his purple bag, and he held the sketchbook in his mouth (he didn't want to have to go back down if he dropped it, and the bag didn't have enough room for the book). He began climbing, and when he got up onto the roof, he took the sketchbook in his hands, removing it from his mouth, and took out his pencils, walking over to his space on the edge of the roof... but someone else was there. Someone he'd watched for a long time now. Papyrus. Papyrus was sitting there, and he glanced back at Paperjam, his orange eye lit. "Was wondering how long I'd have to wait for our mysterious stalker here to show up..." Paperjam slowly started backing away. No... no no no. He'd been careful, he hadn't given any reason for people to be suspicious of him.  Papyrus stood up, walking over to Paperjam, and before Paperjam could retreat, his soul turned blue, pinning him to the spot. "P-please... I-I'm not d-doing anything w-wrong... I h-haven't hurt a-anyone..." Paperjam whimpered. The voice in the back of his head spoke quietly, gently. 'Remain calm, deep breaths in and out...' Paperjam tried his best to follow those simple instructions, breathing deeply in and out, but he was still afraid. Papyrus looked him over.. "You're just a kid.." Papyrus mumbled. "Mind telling me where you came from?" "T-the void.... Or a-at least that's w-what Dad calls it..." Paperjam added on quietly, not quite loud enough to be heard. Papyrus stared at him like he was insane. "The void? You're telling me you were basically created like those two weirdos Error and Ink?"  Paperjam looked at Papyrus, confused now. "Who... who is Ink?" "You've never met him and you live where he does?" ".... uh... no...? Dad a-always told me it was just u-us..." "Wait, Dad?" Papyrus' orange eye flickered out for a moment, before returning. "Y-yeah..." "Who's your dad then?" "Uh... I t-think-" He didn't get to finish. A portal opened beside them, and Error came through it, his eyes glowing brightly, his scarf pulled up so it hid his mouth. "D-Dad..!" Paperjam whimpered slightly. Error's attention snapped to them, and his gaze narrowed on Papyrus. This was the first time Paperjam had seen Error angry.  Papyrus looked like he was trying to process this, but he wasn't given the time to. Error's strings appeared, and lashed at Papyrus, the taller skeleton barely having the time to dodge, his focus breaking, and Paperjam's soul went back to normal. Paperjam ran for it, hiding behind Error.  Error grit his teeth, snarling lowly, error signs and glitches rapidly appearing and disappearing. "PJ, get back to the void, now." 
reply 28 minutes
ThePaleWalker636
"Mk. Like what?" I looked around expectantly, not seeing anything obvious like the Ruins' puzzles. Maybe he meant something more like a Junior Jumble. The thought made me laugh. ​I wonder why Blue offered to do "puzzles" in general. Did he have multiple planned...? I was almost filled with dread, but then I shrugged it off. ​((Papyrus begins filling it out, quickly sifting through his vocabulary and solving most of it very quickly. It was quite similar to the crossword in the paper from... was it 3 months ago? He sighed. He didn't have a very good memory... "Oh, oh, I'm sorry, you haven't gotten to do anything!" He hands it back to PunMaster with his pencil, apologizing profusely.))
reply about 1 hour
PunMaster
PunMaster posted in Say Anything:
{pfft. Sure. Idc XD You can ship my annon with ppl.}  (PunMaster gets out a pencil she uses for drawing and writing her stories, and starts, talking a bit back and forth discussing which words should go where and if they'd fit, etc, but she let him do most of the puzzle since she knew how much Papyrus variants (usually) liked to do puzzles. There was the rare exceptions)  Blue, actually didn't seem surprised. "Should've expected as much." He said simply. "So then, are you ready to do some puzzles?" 
reply about 1 hour