The Apple Doesn't Fall Far From The Tree Here

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[@lemonaid8678]

She gave her a credit card. Told her she could buy things with it but failed to teach her she had to pay the money back….. that’s a horrible parenting right there.

[@KillerGothChick]

Exactly. My mum wouldn't let me have one, and i'm so happy she never did 😂

[@brattrox2939]

​@@KillerGothChick my dad helped me get one in my own name, paid through my own bank account. And I don't regret having one, it was a great finacial decision but he taught me about credit cards and how to use them responsibility lol

[@charterbus8484]

Lol Gen z dudes doing anything possible to hate on women 🤣💀

[@lemonaid8678]

@@charterbus8484 pointing out the obvious failure the mom took by failing to teach her about a credit card before giving it to her is not hating on women.

[@TheCursedCat1927]

​@@charterbus8484 Outside of the fact, that you have literally no idea how old OP is - you are the only one here insinuating that they are "hating on women" when nothing of sorts even happend. OP simply pointed out, that this is the mother's fault, because she gave her daughter a credit card, but didn't explain how it actually works...

[@allisons7995]

Definitely should've had that conversation BEFORE giving her the AmEx card 😬

[@ForeverSongMinistries]

That!!!

[@alyhowerton4386]

Facts

[@travisspaulding2222]

I'm willing to bet the disconnect is that she didn't teach her the difference between a credit card and a debit card.

[@Shiyamirai]

☝️This! This exactly! Without explaining beforehand that this is a loan and you will have to pay it back, mom basically just allowed her kid to crash their own credit score.

[@adil.670]

I'm not from the US but I think she probably just thought that all the stuff you buy using a credit card gets payed after with your debit balance automatically unless you don't have any money on your bank account . that's what i thought at least cuz I've never used one myself ,

[@pete5691]

The mom is laughing as if it isn’t her fault.

[@darthgamer6239]

I think the mom is laughing because she cought herself also not understanding

[@McButtsTheCrimeDog]

​@@darthgamer6239 no she's clearly laughing because she thinks her daughter is stupid. She was laughing because she somehow can't believe that her kid doesn't know this and that you have to teach people in order for them to understand

[@desireesmith862]

@@darthgamer6239Yup

[@kennypowers1945]

Well it’s not lol. Schools exist ya know. They have financial literacy as a requirement for a reason

[@gem9535]

@@kennypowers1945 Yes and no. Schools are responsible for teaching kids academic subjects. Parents are the ones who are responsible for teaching kids how to take care of themselves, like chores, life lessons, and, yes, financials. Teachers are not parents.

[@kirstybarrett5503]

I had a friend that was never spoken to about credit cards. She got one and went crazy buying all sorts of items and then the bill came. She had to take out a loan at lower interest to pay off the credit card. Another thing that people don’t realize, is that if you miss your payment due date, you still get charged interest on the full late amount, even if you’ve been paying it down.

[@eli-bt4he]

The epitome of bad parenting is shaming your kid online for not knowing something that you failed to teach them.

[@InTheSkyGirl]

Yes! This is the real shame here. Poor kid is being shamed by the mom who can't even articulate a sound explanation for how credit cards work. There is still hope for the kid to learn the ropes of financial literacy. The mom needs a lesson in how not to publicly humiliate her kid for likes from strangers.

[@coolcat1530]

No its not. Its a teachable moment. Its not shaming at all. If you get upset and embarrassed because you didn't know something publicly. Then your parents failed you....

[@InTheSkyGirl]

@@coolcat1530 this is a child we are talking about. Public shaming does nothing to advance the child's knowledge about how credit cards work. However, the daughter is getting a solid lesson on who not to trust. This is exactly the dynamic you don't want with your child.

[@themistva]

@@coolcat1530It would be a teachable moment if it wasn’t recorded and posted online. That is shaming.

[@kenoekek]

@@coolcat1530making fun of her and posting it online is shaming. just explain stuff to her instead of mocking her maybe she won’t be so uninformed.

[@juneasia7875]

Being shamed and laughed at for things my parents failed to teach me but expected me to know is my whole childhood. It's only emotionally immature adults who do that.

[@DragonTamer31K]

I don't think either of them even understood how the car started, let alone the mental implications

[@SammySammy-gs3hq]

Nah that is NOT the mother’s fault. That young WOMAN signed off on her credit card. SHES AN ADULT. AN ADULT. Not some dumbass brat who cant find her way out of picking her own nose.

[@kungfookatcc]

Facts

[@nodramamomma8691]

So true. Absolutely true. And it’s very sad. Makes me angry actually.

[@rudohardt3985]

Victimizing yourself when you've gotten the reality is the sign of being truly immature

[@skyes7369]

So Mum failed to teach her child financial literacy then shames her online for not knowing how credit cards work? Sounds like Mum needs some lessons in how to be a better parent.

[@yqmlife1757]

Or maybe mom worked while the kid was in school and thought school taught this as they should. The worst person for a child is their parents. Parents have a single track mind. this is why we need school to expose kids to as many ideologies as possible.

[@skyes7369]

@@yqmlife1757 there’s not enough time in a school day for teachers to teach everything. Parents need to take responsibility for some of the child raising. School teaches maths, science, English, etc. parents need to teach things like budgeting, how to do laundry, how to cook, how to keep a house clean. Parents need to parent or maybe not have kids. Working is not an excuse to check out of being a Responsible parent.

[@notnoah154]

​@@yqmlife1757If a parent doesn't teach their child anything then there is no point in them being their parent anymore. Just make infrastructure with massive housing for children and have them in different areas than the adults, this would be safer and the children could be taught during the day. It sounds dystopian but still, if the parent isn't going to do any raising then they shouldn't be allowed to be their parent and keep the child, they would be doing no good for the child at that point since they could just pay child support and have someone else raise the kid.

[@LisaFW]

Sounds like my mother, she never made me do house chores cause she „rather did it her way“ until I got 17 and then just one random day decided that I should help now and know how the dishwasher works and what every single button means, then got upset when I didn’t.. HOW WOULD I KNOW IF YOU NEVER SHOWED ME?? I WAS A TEENAGER

[@KatieDeGo]

Both school and my parents taught me about credit cards by 5th grade. I think this girl was just... yeah

[@aSouthFloridian]

Completely the mother’s fault. That should’ve been established when you handed her the thing.

[@lhsunshinegarden4415]

How do you not have this conversation before getting the card??? I had this literally DRILLED into my brain to the point where now almost every time I'm about to buy something or leave the house, I check my bank account. How did the mum drop the ball this damn bad???

[@Blue-100]

I think she felt like this was common sense for her so she didn't feel the need to explain. Also I'm assuming the mother has shamed her daughter before for not understanding how things work when it should be her responsibility to teach her. The daughter probably didn't want to feel stupid again for her mother's ignorance. My mom was the same way when learning how to do things financially. Anytime I asked her a question about this stuff she would just ignore it or say she was busy

[@ellssss_]

same!!

[@ellegrey13]

Ikr! I don't even own a credit card yet I know exactly what it is and how it works. Credit means you're borrowing . Schools and my parents taught me this. If this girl doesn't know the basics then why give her a credit card? Give her one when the parent teaches her responsibility or even the schools teach her this.

[@brian1436]

The issue is a lot of parents are lazy teachers. She probably told her a million times credit cards are bad but with no explanation or depth. Its like telling a kid alcohol is bad or sex is bad without explaining how it can be bad. Once they start doing the act and seeing no immediate consequences it doesnt seem bad and thats how you get a good portion alcohlics, anything detrimental related to sex, and debt! But there's another type of parenting where just because the parent learned/lived through something, they think that information is somehow genetically passed down or something. Either way. Parents should be teaching their kids on how to become adults.

[@dutchhoopers1501]

Well let's just be happy your parents did teach you. Shamefully a lot of people don't get thaught this stuff and they end up with debt stacked higher then their house.

[@chickennugget4979]

She is trying to humiliate her daughter on the internet for not knowing something she should have taught her. Toxic parenting 101.

[@Hhhhh12864]

You need to be taught to pay back debt . No wonder everyone is complaining about the economy if half of the country thinks like you then of course y’all are going to be poor.

[@chickennugget4979]

@@Hhhhh12864 What are you talking about I said she didn’t teach her daughter so how would she know? You have to be taught more adult things like that. Many young people go into debt because their parents didn’t educated them on credit. Also I’m definitely the furthest thing from poor my love. My parents taught me finances and I have investments with a dab of privilege. My parents also wouldn’t humiliate me on the internet either. You’re basically repeating what I just said. If you need financial guidance let me know I’m more than happy to help you.

[@Hhhhh12864]

@@chickennugget4979 I’m doing amazing in life, I don’t need your support. But just by your mindset really just tells me how far in life you are in. You can act like your doing well but if you need someone to teach you about credit cards then that’s beyond saving. And just because you brought up finances, I have 12 million in stocks and make 378k before tax and overtime and that’s not including the stocks giving interest and dividends. I’m loving life, however that doesn’t change my point in the fact people like you shift the victim mentality to the parents. You don’t need your parents to tell you not to use debt and that free money isn’t real. It’s seriously ridiculous that your trying to blame the parents. Good luck in life I can’t change someone’s mentality if they think they are the victim.

[@alexknauss2642]

@@Hhhhh12864 The person said the fact that the parent felt the need to record her daughter and post it on the internet for all to see was toxic, not that she shouldn't teach her at all.

[@chickennugget4979]

@@Hhhhh12864 You literally made me laugh today thank you so very much! 12 million… I’m not going to one up you on that because I really don’t want to hurt your feelings. I’ll let you live your life thinking you accomplished something with your 12 million. You should be proud of that number though good for you!

[@DrDudelidge]

She’s acting shocked, lady you raised her. You must be proud!

[@ansteve1]

Gotta love parents who refuse to teach their kids life lessons and act like their kids are morons. While it wasn't with credit cards, there were a few skills my mother refused to teach but loved to use us not knowing as examples of why I was a failure. Now she wonders why I don't call her

[@Speed_198mph]

Simple terms: Credit cards, you are using the banks money to buy something you want, you pay the bank back monthly for the money you borrowed from the bank used to buy the item(s). If you do this correctly then your credit score will go up and the higher your credit score the more things you can buy that are more expensive like a house and cars. If you fail to pay the bank back on time, interest builds up and now you owe the bank more money for making them wait. Debit cards: you use your own money to buy things so therfore you don't pay back anyone and once you pay for something thats it you now fully own the product.

[@bluedouchemark4685]

Thanks?

[@bigcheese781]

This mom has the worst way of explaining ever. "It says Pay-it so you can 'pay it'", then repeat it as a broken record. Poor kid.

[@majorramsey3k]

To be fair, I'm not sure how else to explain the obvious other than to just state the obvious. Edit: (Because people below are too slow to understand) This is an ADULT, not a child. If you are old enough to sign for a credit card but don't know how credit works and then use it ignorantly then that is on YOU, not your parents. You should be able to know what is OBVIOUS to any other adult that credit is not money.

[@alexjustalexyt1144]

​@@majorramsey3k like this: "you didn't pay for it, you borrowed the bank's money, you're supposed to pay the money back"

[@bigcheese781]

@majorramsey3k This is how I would have explained it: "Using the card in the store does NOT trade with YOUR money. Your own earned money 'moves' only when your action is 'Pay-It'.".

[@majorramsey3k]

@@alexjustalexyt1144 Again, that's just stating the obvious. It's like trying to explain how to wipe your butt, you just do it.

[@alexjustalexyt1144]

@@majorramsey3k Disagree. The way she explains it is stated in a way which assumes that the girl understands how credit card works. You're right, it is obvious but the fact that the girl doesn't know an obvious (or seemingly obvious) fact is the reason why you need to explain more clearly. The example I gave makes less assumptions about what the person knows and gives a clearer understanding on how cards work and why they should pay it back. The only reason you think it's obvious is because you are familiar with the concept, this girl isn't

[@Kil408]

This is how my parents were. I taught myself EVERYTHING growing up. And when I ask them a question I’m shamed as stupid. If they’d just teach or help me for once I’d appreciate it

[@elizabethhall9334]

You didn't deserve that. You deserved to be taught, not shamed.

[@IIBeefII]

Parents are sometimes mean kids who haven’t really grown up, just keep getting more responsibility they can’t handle properly.

[@mmb659]

You can say you're self made and be proud of it

[@ajs6588]

Same here and is the reason we aren't really close

[@CHOMAGEDDON]

Congrats you encountered problems and figured out how to solve them like every functioning human being in the world. You encounter a problem, you research or you ask not only your parents, but relatives, teachers, friends. You don’t wait and swim in your own shit and finally attempt to solve it once you’re fed up with the smell. Plus what kind of person with any common sense uses anything they don’t mostly understand? Mom totally in the wrong for recording and shaming the daughter, but how can someone also be so incapable of being a functioning human

[@Drewbie176]

Kids aren't the only ones who've been deranged by social media, imagine doing this to your daughter. Getting her a credit card, completely failing to explain how it works, and then publicly humiliating her for your incompetence.

[@mmboiler10]

Genuinely mom screwed her daughters credit score because she could bother to explain debt.

[@Connor-rk8ei]

If this isn't a ragebait skit, it's very concerning.

[@kronkilton2153]

Im always confused why previous generations are so stunned by how the next generation is doing… Like aren’t you the ones who’s supposed to teach them stuff about fking life?!… No they pull out a random thing from adulthood when the kid is already 15yo and claim that the child is stupid.

[@MathewCR]

Agree, though I never had anyone teaching me how it works when I got my cc 5 years ago. There's nothing free in this world, it's common sense that the cc needs to be paid

[@luckyfk3452]

@@kronkilton2153 If you need basic things like borrowing and paying back explicitly explained to you ... well, no wonder the previous generation is stunned.

[@renarich4942]

Thanks for this! Money has changed so much I have to remember the younger ones can’t be expected to just know

[@OctopusWhoSeesAll]

The child obviously doesn’t want to be filmed. She’s covering her face. I wonder if this is the first time she publically humiliated her daughter online. The mother not even explaining why her daughter has to pay it is crazy. She did not do her due diligence and teach her what credit is before giving her an AmEx card. This just looks bad on the mother rather than her child like she hoped it would be.

[@alisab4811]

Seems like other then knowing she has to pay the bill the mother doesn't know much more about how it works then the daughter... like wtf kind of explanation was that?! She really couldn't articulate 'it gets charged to the card at the time of purchase and then later you pay the bill' like wow... And then she had the nerve to post it online in attempt to humiliate her teenage daughter... what a great role model.

[@jasminecollins897]

Imagine filming your kid, clearly against their will, and making fun of them for not understanding something YOU should have taught them.

[@onyiturner5345]

Right it’s so embarrassing for the mom that she can’t explain it…

[@Issyjos]

She raised an entire person just you act like she did it on purpose there’s parents out there that literally beat and rape their children can you chill the fuck out maybe ?

[@swisscheeseplease97]

I don’t think most kids have to imagine that. I think that’s most kids reality.

[@GenderLoin]

What makes u think the mother didn’t teach them how credit works? Ur assuming a lot. This started not understanding the app. Doesn’t mean the kid doesn’t understand credit and something is lost in translation. It’s clear the mother thinks the child knows how credit works but isn’t connecting the dots.

[@thedarkemissary]

Imagine having to be taught that money doesn't just appear out of nowhere for you. dafuq

[@MeWhne]

Someone asks legitimate Question Answer the question ❌ Make video ✅ Make fun of her ✅ Refuse to explain properly ✅

[@KeeganWall]

I would argue that he explained it well enough and used the right terminology compared to the example video. the mother refused to explain properly, not this man.

[@MeWhne]

@@KeeganWall exactly, I mean the mother, not the man, do not be confused.

[@silver9wolf6]

​@@MeWhneOh! That makes sense, I thought you were talki g about George at first :)

[@livesolhaug]

It's irresponsible of her to give her daughter a credit card (strange behavior already, but ok) without telling her what credit is

[@Southtroll]

No different than credit card companies 😅

[@josephpope3467]

I was absolutely horrible managing credit cards in my late teens ,early twenties so i made sure my daughter understood the advantages and disadvantages of using credit cards. She bought everything she could on the card ,but always paid it in full monthly. She now has no debt, outstanding credit and all the perks that go with that kind of money management.

[@theresahernandez4241]

I feel like this conversation should have been had BEFORE getting an American Express card. My older children’s ages range from 9-15 and they all understand this concept at their level as we’ve had many conversations explaining it. We will continue to do so. So many young people get trapped without full understanding.

[@xlifexwithxlithiumx]

anywone under 18 should never have a CREDIT card.// thats why debit card exists

[@ferndodd]

​@@xlifexwithxlithiumx pretty sure op is just saying that she's teaching them how credit cards work so that when they do get a credit card at 18 they know the risks

[@alanareilly6178]

@@xlifexwithxlithiumx Not necessarily, my daughter had a credit card at 14. I taught her responsibility. When she would spend $ every transaction she would log and put into savings from her account to pay the bill in full at the end of the month. She learned quickly that her “real money” was gone.

[@anootnoot7192]

this is how my dad explained things to me growing up. when i was confused by something, instead of actually explaining why or how you should do it, he just repeated whatever it was to me and expected it to click. then, he’d get angry with me for still not understanding. i had to learn all the “adult” things in my early 20’s from my best friend’s parents, who would explain and break things down very clearly.

[@shanalora2419]

Exactly Like how am I supposed to know ?through osmosis?

[@xHitroverx]

​@@shanalora2419 By going through it yourself...

[@candied-bees9535]

God I feel this, my mom would literally scream at me and threaten to not take me to school stuff because I hadn’t taught myself how to drive on the stick shift I was “gifted” on my 16th (her old car that she still used and never gave me one lesson in)

[@angelalovell5669]

​@@xHitroverx That's not what parenting is, genius. It's not supposed to be telling you something, seeing you don't understand, shaming and insulting you and then letting you work it out via bad experiences. That's neglect.

[@xHitroverx]

@angelalovell5669 Depends on what it is. You raise a sheep by making them listen and heed to it. They will be more knowledgeable when they do something themselves and figure out the workings of what they are doing. Your reasoning is exactly why the school systems are washed

[@humbertoestrada140]

handed a credit card without explanation, amazing parenting😂 but I guess she learned eventually

[@vivieneckert1627]

It’s so weird how credit cards work in the US. It seems to me that they put money on the card because they know lots of people will spend it and not be able to pay it back so that you pay them more back then they gave you. Or am I completely off? If so please explain the logic behind it. People in Europe use a credit card just to pay with the money they have in their account. It comes with no money. I‘m 24 and I know not one person my age who is in dept. I seems like lots of young people are in the US.

[@changito97]

​@vivieneckert1627 yeah it's a "game" here in the U.S. Credit card companies offer a 12 or so months of 0%APR for new members that can take advantage of (but some my fellow Americans think Credit Card=Debit Card and go wasting all the money and never pay back, get bad credit score and end up having to rely on debit/cash). After the 12 or so months are up you then have to pay I think 14% or more in APR for any new items you buy. What's weird about credit cards here is that you lose credit score if you're not spending credit or if you're nearing the maximum amount of allowed borrowed amount and of course the logical reason in not paying the bank back in time.

[@NightRadz]

@@vivieneckert1627credit card in Europe is the exact same, you get a limit, you pay it back. The way you described is just smart people spending with credit card then immediately pay it back because it boosts credit score.

[@brody9238]

​@@vivieneckert1627 that's a debit card that's linked to your bank account. Credit cards are a line of credit. Your just using the terms wrong, you have a debit card not a credit card

[@conorhallahan9625]

@@vivieneckert1627I’d say the best way of describing it is that it’s effectively an always active loan for x amount, every month you pay a specific amount off and assuming you manage it properly your credit goes up. It’s not a hard concept, people here just are idiots and don’t remember the have to pay it off part, it’s also recommended you never use more than like 15-20 percent of the card at a time.

[@riag.253]

I understood how credit cards worked and what they were when i was at least 12 years old. Yes, i am 36 now, but my parents raised me and my siblings to understand how money works, how debt works, and how to use debt responsibly.

[@SourRazberry]

The mom is doing a HORRIBLE job of explaining it, which is exactly why the child doesn’t understand either. Girlie, it is NOT the flex you think it is making fun of your daughter publicly when she is lost due to YOUR shortcomings.

[@jasonw9251]

Agreed. Doesn’t sound smart at all

[@Nameentered]

That's because she was still in shock and was trying to be comedic. Guaranteed after the video, she explained it thoroughly to her. And sorry to burst your bubble, but the mothers parents guaranteed didn't teach her how to use a credit card when she was younger either and yet she was still able to figure it out. That's how being adult works. You figure things out as you go and you quit having to be reliant on your parents for everything. Funny how all these older people were able to figure everything out in life when they had parents who didn't bother to teach them things and just told them to figure it out on their own. Maybe the child should have asked her mother questions before she went out and got a credit card without even understanding how it works in the first place? Sorry, but a credit card should just be common sense as a teenager. Oh I can just get piece of plastic and not have to give any bank account numbers and it somehow just magically pays itself off after I buy it. Come on now dont go blaming parents for someone's own idiocy. At some point they have to be held accountable for themselves. Otherwise you end up with what we got today. 30 year old children.

[@kpoppy9635]

​@@Nameentered but why do we have to shame them for it? Tell me what good comes of it other than your self-satisfaction?

[@paracosm0]

@@Nameenteredit is the parents fault? she's trying to publicly shame her daughter who doesn't want recorded because she couldn't be fucked explaining something you don't have to make your kids struggle with simple things just because you did lol

[@cherrypopscile3385]

The idea of shaming YOUR CHILD for not understanding something PUBLICLY is so... Deranged it's not even funny It'd be like if someone took guitar lessons, then the guy posted a video of you sucking on the instrument saying "Wow someone doesn't know G Minor" bro it's YOUR JOB to teach them. Stop showing us you can't explain basic concepts to your children, it makes you look stupid

[@iamlegend68]

Hearing the mum explain told me everything I needed to know.

[@COZMIC_RAY]

right… i genuinely don’t understand either of them though. all i get is that i’m assuming her daughter didn’t realize the pay button was to pay off her card???? or ????

[@johnathanlatman2507]

@@COZMIC_RAYshe thought credit, the money on her credit card, belonged to her. She didn’t realize the bank was paying for everything she bought ahead of time, and she now owes the bank for her purchases on their line of credit.

[@adamfrausto9495]

"It" and "that" are fantastic words to use if you want communication to be confusing.

[@davidscbirdsall]

I tell people the same thing. Don't use pronouns when discussing issues. Be very specific.

[@Chaotic_Observer]

Fr, it left me SOOO confused until the guy explained what “that” was.

[@Thalanox]

Many people are allergic to the idea of being precise and accurate.

[@AmritaGarlapati]

My parents are like this but without the social media. When I was a kid, I enjoyed being in the kitchen and see how food was made. When I asked my mom if she could show me how to cook (when I was around 7-9 years old) , she kept saying "no". Then in my teenage years, i joined a cooking club ...but the thing about cooking club is that you get to do only one part of the making process...and the seniors wouldn't let me cook (only buy groceries and cut vegetables/fruit and serve people) which I was a little upset but did it anyways because I was grateful for it. Now when I'm an adult, my parents laugh at me for not knowing things they never took the responsibility to teach me in (My parents also dont allow me to have friends or bf/gf as well so I don't get the option to learn from them as well) And whenever I try making anything in the kitchen, my parents would yell at me and shame me for making things I like

[@KFBbythesea]

Banks love people like this because they know they got a customer for a long time when they think like this.

[@y2ksurvivor]

Slave*

[@bugglemagnum6213]

Highly predatory, its the reason public school curriculum is becoming so rudimentary, they want a bunch of victimized sheep

[@RockwithJesus]

Not if they don't pay there there credit card bills

[@goukenslay7555]

​@@RockwithJesusyou clearly don't know how the banks roll

[@RockwithJesus]

@@goukenslay7555 why use credit score or credit report? Then

[@anjiemarie1]

Don't give a credit card to someone who doesn't understand the responsibility. I wasn't taught anything about credit responsibility, and when I learned, I learned the hard way. I had a 300 credit score, and it took me 10 years to get my score up to 730. I guard my credit score now.

[@nathho]

I'm not from America so I don't get it. Ya'll have scores?

[@anjiemarie1]

@nathho yes. We're scored on how well we pay our bills and debts. 850 is the highest score, and 300 is the lowest. Once you get a low credit score, it takes forever to build it back up. Where I live, you need at least a 650 score to buy a house unless you're paying full price cash, then your score doesn't matter.

[@jacquijaurena7915]

My parents deliberately taught me the difference between checking/savings/credit/debit by the time I was seven and made sure I knew what everything meant multiple times, this parent is literally doing a bad job and blaming their teen for it

[@maddog7999]

its so bad the only money education i got was WORK AND SAVE! no investing. no stocks. no growth. NOTHING

[@tonyterpene]

Lmao my parents were all like "you don't want a debit card you want a credit card." And I was like "yall are fukin dummys." And now just a few months ago I bought my mother a brand new SUV while simultaneously helping pay the mortgage 😅

[@frequentblondie]

My parents TRIED the credit debt explanation. But here's the thing either card can be ran as either one. 😂

[@frequentblondie]

​@@maddog7999 actually you shouldnt go into stocks. If you're comfortable with that that's fine. But I'm afraid of the stovkmarket again crashing. And loainf so much money

[@gardenandcalico]

I spoke to customers yesterday in their SEVENTIES having the same issue. We had overcharged them and we already refunded them via check, which they confirmed they received, but they were confused why they would still need to pay it on their credit card bill...

[@darth_meadow9744]

You explained that so well "you BORROWED the money, and you have to pay them back"

[@joe-jp1et]

wdym "well" that is literally the most basic explanation of it

[@suzubee9602]

An easy 1 sentence explanation that she refused to explain to her daughter Also why does a kid have a credit card?

[@AndeLikeTheMint]

Yeah, loans. Profound stuff

[@samnorman2307]

How else could you possibly explain a credit card? People so dense these days it worries me

[@MarkBH70]

??????????? I don't understand. You think plastic is money? What money changed hands? Do you still have the card? Did she read and understand the card agreement??

[@rosalindaleal6122]

I'm a middle school art teacher and I still have some financial literacy conversations with my students. Kids don't know what they are not taught. Its your responsibility to teach them. I also teach...we don't make fun of someone for not knowing something...we are at school to learn.

[@vanessar.6085]

My teacher in senior year did this (and another professor in college). Not all of us knew what credit cards were or how they worked (this was a long time ago). It should be the parent responsibility, but you can't teach what you never learned or were taught poorly. In short: Thank you for giving the extra help.

[@angelkat333]

My college business professor taught me more about money than I ever learned at home. My parents just never bothered to explain anything when I asked, they’d be like oh you can learn when you get there. For example, taxes. I’d ask questions about taxes, and they’re like don’t worry about that stuff until you need to pay. Or credit, they’re like oh you don’t need that until you buy a house. Wtf?? It seriously stunts your ability to grow professionally and become independent.

[@janise01]

@@rosalindaleal6122 They literally have all the information in the world available at their fingers and can use deductive reasoning to figure most things that are frequently encountered in the world. If human beings literally needed to be told everything by someone else then we literally couldn't ever have any advancement and would still be in caves.

[@ChunKeyPeach]

This is how parents teach kids they act completely shocked that their kid doesn’t understand a thing they never taught them lmao

[@scitimas12]

Yeah, it seems she doesn't know it's a credit card and thinks it's a debit card because they never explained that

[@Snakes64skin]

Exactly. Some of my family members get all pissy when I don’t understand what they failed to teach me.

[@cadez8386]

I get that but surely at that age you would’ve seen ‘debit’ and ‘credit’ cards and wondered the difference (Can be googled in 2 seconds).

[@simoxxee]

@@cadez8386 yes at a certain age you should know the difference, but it’s clearly her first time with having a credit card and to probably not know how a debt card work either since she doesn’t know how credit works. And debit cards are easier to learn and know than credit. It’s actually quite simple to tell she hasn’t been taught right. Even with google it’s hard, if you haven’t experienced and get through it yourself to figure it out it’s going to be hard to understand how it works.

[@Bob-cp2eg]

My parents never told my anything about credit. BUT they did teach my much about keeping promises.

[@KiraMasquerade]

I overheard one of my students talk about getting a credit card like it was a gift card from the bank. Im glad i had the opportunity to teach her how it really works. My biggest beef with being an educator is not having enough opportunities to teach actual life skills.

[@leslieschott754]

As I’ve been saying for YEARS!!! We had a smattering of checkbook activity “taught” in home making class. My granddaughters also, as very young children, thot you just went to the bank to get money. There needs to be classes in basic life management, and I don’t mean in only electronics! The whole world will crash some day and the youngest generation will have NO IDEA how to function! 😮

[@NextToToddliness]

70% of my teaching-day is spent on stuff like this. Every lesson is an opportunity to apply the curriculum to real world issues the kids will face.

[@AnnaBrown99]

In the economy class, I learned how banks work and the different credit cards, debit cards, how interest work, etc

[@Dascia2]

It's almost as if the entire education system doesn't provide educators a chance to teach actual life skills. Glad you stepped in and helped.

[@awesomefashionlover]

A gift card from the bank is wild 😂😂😂 I’m you took the time to educate them❤

[@The_Hamdalorian]

I sometimes feel like I’m kinda dumb but then I see shit like this and it makes me feel better

[@svgkaos7826]

Same we not that dumb lol

[@AresF4]

​@hamper22 yeah we sometimes do dumb things like forgetting if we turned the lights off, or making a mistake. But we don't get a credit card and think it's free money 😂 average intelligence has dropped in the past decade, it's not that average anymore

[@AresF4]

@hamper22I can't really judge a person for something caused by an illness imo, but perfectly sane healthy people who choose not to grow are something else I had a brain injury that makes me angry really easily so I know how a little bit of brain fog feels myself 😂

[@muhai3438]

First mistake was allowing her daughter to get a credit card before understanding how it even works. That's not setting her up to succeed..

[@anne-vc7bg]

I'm really sorry, but not knowing what a credit card is when you're over 12yo is the parents failure, not the kid's. She's a 💩mom - this is level "men not knowing what a period is with a mother, two sisters, 3kids and a wife of 13years". You do realize that her not knowing means that in 18+ years NEITHER PARENT went in any store with her from shoes, toys, groceries and explained why the checkout employee asked "cash or card". 💩 Parents.

[@LottiDotti76]

The way I taught my sons the idea of paying with credit was letting them get something, then I reached under their arm to hand the cash to the cashier, then told them they will pay me a monthly fee with $5 a month added each month onto the balance until it's all paid off. They got the idea real fast and definitely appreciate money a lot more.

[@119Agent]

I had a friend who told me they couldn't buy a house because credit card bills were so high nowadays. I said then stop paying for things with your credit card and pay down the balance. She said then how are you supposed to pay for things that you don't have cash for? Yikes.

[@leebliss3622]

HAHAHAHA that’s the dumbest thing I’ve ever heard wow thanks for sharing

[@119Agent]

@@leebliss3622 FYI, she was a 20 year old accounting major.

[@Oddi92]

Don't know how it works in the US, but my combined credit card limit is calculated as an expensive high risk loan by the banks. Not my credit card balance. So if I have a high credit card limit, and only use a little every month, it would still prevent me from getting a car loan for example.

[@119Agent]

@@Oddi92 yes it is both in the US. Credit limit and balance both hurt your credit.

[@mdhall04]

Shes got a point though. Take it from someone who hasn't had or used a credit card for seven years. Your screwed when things come up you can't afford lol.

[@tjade6]

So i gather that mom fully understands…just bad at explaining.

[@zumeraaa]

she understands, dude is just being weird.

[@TreeFrogMC]

I think he's saying that the mom dosnt under stand what the daughter is asking

[@snaginwrld7397]

@@TreeFrogMCshe fully understands but sucks at explaining. Could’ve just said that you are borrowing money from the bank and you have to pay it off. No reason to make a video about it

[@KDlGG]

@@snaginwrld7397nah the mom didn’t understand what she said at first, you can tell that by the end of her video. She’s realizing her kids a dumbass, she thought her kid meant you had to buy the card again until she repeated herself then realized wait, she thinks the card is free money

[@Chillieman]

Ive always said - if you cannt articulate and explain something - then you dont understand it well enough

[@NotKimiRaikkonen]

Reminds me of ninth grade biology class, a girl said it's so cruel that people would hunt animals for meat, why wouldn't they get the stuff from the grocery store... The teacher had to explain to her that that's also from animals.

[@InTheSkyGirl]

Sheesh! If she thought hunting was cruel, I imagine she was in for a wakeup call when she learned about factory farms.

[@HollyGW]

Oh my and I thought it was bad when a girl ran to third base instead of first after she hit the ball...

[@notnoah154]

​@@HollyGWcould just be mirroring in their head or they were raised in an Arabic country or something like Japan.

[@HollyGW]

@@notnoah154 it was actually someone I went to highschool with and it happened when we were in grade 9 or 10. She's a very smart woman, just not much into athletics when we were in school. She was one of those naturally thin people lol. It was something we all joked about....it was all in good fun...

[@mollygrace3068]

I was a teen (90’s) when I read an article about how many people consider hunting cruel. I grew up in liberal Berkeley, California, so I related to that. The journalist interviewed some hunters who talked about hunting and how if you buy meat from the store, you should be okay with hunting it yourself. That and many other incidents lead to me later on in life becoming vegan, but not opposed to hunting for meat. If I’m not willing to kill it myself, I shouldn’t be eating it.

[@kmartcarol48]

A lesson I think I learned at like 9. Mom/Dad both worked so we would just play in the neighborhood, one day I rode my bike past a Mom n Pop HotDog shop and was hungry. Walked in and old owner asked "you want something?" I think I order a hotdog and fries like .99 and I walked outside to move my bike to keep an eye from the window. Sat down and his wife brings out food. I start eating....he comes and sits down beside me asking "you forget something?" I said Thank You. He laughed and said "you pay yet?" I was scared but he was cool, just told me come back with a dollar later. Told Mom once she got home and we walked back and paid, Old guy knew it was a simple mistake and actually gave me a 5.00 tab so I could get a bite to eat from time to time.

[@AndNowWeCook]

I knew how credit cards worked by age 7.. “it’s not free money, you have to pay later.. & if you don’t pay it, you still have to pay + more” .. I was told that as a kid, & I understood 1 thing clear as day.. credit cards could fuck someone up financially at a young age.. side note, my parents even had me writing their checks for the bills by 8.. kids just aren’t being taught the simplest of things anymore.. I’m 32 btw

[@nanamichelle73]

Understood this at the age of 11, my parents made sure to instill in me how important credit is in your life. It quite literally can make or break you😂

[@gaurasrspublishing]

My parent's example was to never use credit, they worked saved and bought something - if they didn't have the cash, they didn't buy it. Now THAT is a fantastic example to set. It's common sense, but we now live in a world where having common sense seems like a superpower.

[@steelparagon5868]

Exactly. It’s such an easy concept to understand. You learn it as a CHILD.

[@molasses1257]

In addition to that I learned that the credit card simply just combines all your expenses into one big bill per month. It took years after that to figure out that you are able to NOT pay your monthly bill?!? I still think till today, that not paying your monthly bill is plain stupid.

[@adrienmerliss9927]

I've heard that children's mindsets for money can be set at an early age. Your family did you a service teaching you at that age.

[@alexandraadams7400]

This is why financial classes are important! Credit card money is borrowed money from the bank which they expect to be paid back in full sometimes with interest depending on how long it takes you to pay it off! Always pay attention to your APR (or interest rate) and see if it’s reasonable to pay off either right away or within reasonable time before interest applies.

[@ladydjiv]

No, this is why PARENTING is important. The mom didnt explain to her what the card is or means or does before giving it to her, and THEN goes on the internet to make fun of her. She didn’t do her job, and set her kid up to fail.

[@alexandraadams7400]

@@ladydjiv both are definitely important! Parents have a responsibility as well

[@TriSpedsOfficial]

Why would they ever teach us this when they could continue scamming us

[@SwarmerGaming]

This is why women weren't allowed credit cards until the 1970s.

[@ykook7000]

🙄​@@SwarmerGaming

[@LuminaOfficial]

mom reveals that she failed to teach her kid what a credit card is, effectively mocking her own parenting. can't make this stuff up!

[@natashawilson8105]

Money and finance should be a class in every school

[@alexrawls7407]

One of the I never understood fully. “You shouldn’t buy on credit unless you already have the money set aside to pay for it” “but if I already have the money to buy an item then why would I borrow the money from a credit card company just to immediately pay it off to avoid paying interest” “because you need it to build credit to buy a house someday”

[@irina-ty1336]

Because ✨America✨. Seriously, I think you are the only one with that system. As a European, it baffles me too

[@beingbettertoday]

fyi, many adults don't own a home - they rent and are financially freer than those who own. Nowadays buying real estate is not the great investment it once was. Plus, by renting, you don't have to worry about any maintenance/wear-&-tear issues that come up with the property - You just call your landlord and have them handle all that. I haven't had a credit card for over 5 years, and my credit score goes up each year. Don't get one if you don't need one. If you can save up to pay for things outright, do it. In terms of investing, look at things such as stocks, day trading, GICs, RRSPs, ETFs, and the like. Also look at opening a tax-free savings account. But the best piece of advice I can give you is, when you get a job, every paycheck save at least 10-15% of those funds in a separate account and prevent easy access to that money. You won't really feel it, and little by little that money adds up, and before you know it, you have enough to go on an international trip, buy a car, or put a down payment on a home, if that is a goal of yours for the future.

[@inarifox8912]

Basically, it's to show accountability. Most people won't have enough for big purchases to pay outright, such as a house or car. This is where your credit history comes in. It basically shows how credible you are at paying your debts. If you have a credit history that shows you pay everything off on time, then banks don't see you as a liability to loan money to. People with bad credit history or no credit history are more of a gamble for the people offering loans.

[@m0L3ify]

Sadly it's not just for cars and houses anymore. It's for _everything_ . I don't have credit cards, so I guess my student loan is the only thing keeping my credit score up. The one silver lining of the fact that it's never going to be done.

[@MovieHats]

If you always treat your credit card like it’s a debit card you don’t have to worry. Only spend the money you have, if you can’t pay it off with the money you currently have then maybe reconsider the purchase. A credit card should be for large emergencies, or for when you have enough in savings and checking to pay it off in full.

[@dannyearley2687]

Giving a kid a credit card without explaining what it is and how it works is genuinely crazy

[@Unknowfn89]

I got my first credit card when I was 16 (co-signed, low credit limit, etc) and my dad explained it to me as it was like taking out a small loan for every time you use it. You're asking the bank to buy something for you with the promise that you will pay them back later, and if you don't pay it back on time or in full you get penalized through additional charges. In 9 years I've never missed a payment and haven't paid a dime in interest

[@Brook_55]

This is why my dad told me not to buy something with a credit card that i don't already have the money for. Cuz it's borrowed money, they expecting it back.

[@Unknowfn89]

@@Brook_55 mine also told me that! It's still your money you're spending. Everything I put on my credit card I could pay for directly, I only use a card to protect myself with online purchases and because I'm still fairly young and am working on building my credit so I can buy a car then (hopefully) a house (which I'm pleased to say my credit is excellent)

[@SteelSkin667]

If you think of it, it's a really bizarre system. There is absolutely zero advantage to paying with a credit card day-to-day outside of artificially building a credit score in countries that have one.

[@Oilman6969]

@@SteelSkin667wrong

[@johnunsicker7440]

@@SteelSkin667 Not true. There are so many cards that give you cash back that it can add up to a few hundred dollars a year you are getting free. Also, some places have discount for using their card

[@UuSeR710]

a credit card is the bank’s money. if you buy something with your credit card, the money to purchase the product does not leave your account, it comes from the bank. you then have to give the bank back the money you borrowed from them in smaller payments. it’s like when you ask a friend for money saying you’ll give it back, except you actually have to give it back.

[@yvettetorres7829]

I get it. Kids think that the cards are pre filled already with cash like gift cards. If your Mom doesn’t understand, it’s hard to explain.

[@brandonmay3094]

@CL-eg8mbthe mom sold her fairytale and then treated destroying it as a joke. Really really bad look and state of affairs

[@abithefallenhuman921]

​@CL-eg8mbshe also mentioned how she already paid for it, so I'd guess she thought it was a debit card, not a credit card

[@lolirot93]

@yvettetorres7829 I definitely understood what a credit card was when I was younger than the girl in the video (and no, I wasn’t given one by my parents).

[@Miss.831]

One thing I’m glad about growing up in a poor household is I never had a credit card like other kids around me in high school or so on. I’m not even a dollar in debt and it feels so good.

[@phillnineteenninetysix]

I'm confused on how she doesn't know how credit cards work. Perks of coming from a family who doesn't provide you a credit card when you're that young. They should teach her that before letting her use it.

[@citizenvulpes4562]

That's not really the flex you think it is either.

[@jayohheeh640]

​@citizenvulpes4562 Growing up without money, and being an independent adult that doesn't owe anyone money, is ABSOLUTELY a flex. How many kids from wealthy middle class families run up tens of thousands of college debt and end up with a mediocre career and a second job to pay it off?

[@robblly8112]

@@phillnineteenninetysix she was never taught. her mom failed her in this sense

[@abithefallenhuman921]

​@@phillnineteenninetysixseems she's used to debit cards by how she was asking her mum for context, since she word-for-word described a debit card. If assume she wasn't told she was given a credit card

[@din5385]

-gives daughter a credit card -doesn't teach her how it works -makes fun of her for not knowing how it works Great patenting

[@BorisBludger]

Welcome to life long depth, but with a smile😁

[@bethemaine]

Wait you can give your kids credit cards in the US? Or in general? Most be rich people thing cuz here is Canada (normal household) we wait until we’re of age to apply for one

[@flamebreaker7318]

@@bethemaineit’s not a common thing

[@radkat888]

Don’t forget filming it and shaming her online for it as well lmao

[@jacoblehn8752]

Did you need someone to sit down with you and teach you that there's no such thing as free money? Really? You're so unbelievably dumb, that you wouldn't be able to figure out that you have to pay back money you borrow? You need to be sat down and walked through that? Should I teach you how to breath and blink too?

[@darknessmoto9912]

Best lesson I’ve learned with credit cards (didn’t learn from my parents, learned it on my own.) pay what you owe every month. Keep your cards paid off. Only use a credit card for things you have to buy anyway like gas, food, bills etc and then pay it off every month. If you can be that disciplined you can make your cards work for you. I get about $5,000-$7,000 cash back from credit cards every year by only using them for necessary purchases and then paying the cards off. I travel for work, put hotels and food on my card and then pay it off. I get my 5% cash back and don’t pay a penny in interest. Discipline is key.

[@celina4170]

I had this happen to me when I was 18 years old didn’t know how a credit card worked. My mom took the time to explain it to me and we went on with our day. Sad, that instead of teaching kids, these pick me moms want to shame their kids.

[@brandonmay3094]

It’s all about attention now. Those that survive this era, will be the least capable of surviving the next. And there’s a solid chance that is sculpted…. Our “society” chose to privilege the weak over the strong. To privilege the undeserved, over the deserved. Minorities over majorities… Now it’s perverted beyond hope, always the goal of those trying to destroy an empire. It must be from within.

[@MrsScott-bx8sb]

Our babysitter overheard my husband and me talking about needing money for something and she asked us why we don't go to the bank to get money for it, then. We explained we didn't have the money in our bank account to cover it. She was like, "wait...what? You mean the banks don't just give you money when you need it?" We were like, "honey, if that were true, don't you think that everyone would be living the lifestyle they wanted?" Then there was the other, "how can I be out of money when I still have checks in my checkbook?"

[@qutielove2208]

Smh they need to start teaching basic life skills in Elementary school and beyond. This is a Epidemic of ignorant financial illiterate people! Blind leading the blind!

[@nootnoot-2]

Reminds me of all the parents sending their kids to a store to buy blinker fluid and then laughing at them for being "so stupid" like how the hell is a kid going to know you dont need blinker fluid? I remember when i got my first car i didnt realize you were supposed to add coolant to it, and when my car overheated in winter i was confused. Yes, i know thats very dumb, but i knew absolutely nothing about cars except that you needed to change the oil sometimes. I called my dad, it was like 11 on a work night, he headed over immediately and brought me some coolant, showed me how to add it to my car and taught me some basic car maintenance. He never embarassed me or made me feel dumb for not knowing, he just helped me. I look back at myself and laugh, but i appreciate my dad for helping me and being kind. Ive helped my dad with some simple shit (mostly tech stuff) over the years, never have made fun of him for not knowing, even something as simple as adding music to an ipod. Its okay to laugh a little at something silly, but we all can be dumb sometimes, so you should show kindness and help people, rather than use it as a moment to tear someone down and make them feel stupid so you can feel superior.

[@desireesmith862]

Yup and it’s so sad because those kids do it because they *trust* their parents and assume their parent is telling them the truth. Other than that it’s an innocent prank.

[@angelalovell5669]

I swear your dad probably had the thought decent parents have, which is "Oh shit, have I not taught them that already? Damn, better get onto it right now!"

[@loganthomas7379]

I get the overheating thing because that happens, but blinker fluid? C’mon. Like where is fluid going to go in your blinker? It’s electric, even at 15-16 I could understand that fluids aren’t necessary for electrical components.

[@justaliltumbleweed]

⁠@@loganthomas7379do you want a cookie? When I was 15-16 I was busy helping my parents do their taxes and didn’t have time to maintain cars. “It’s just common sense” until you realize you have no experience in a particular area… You are doing the exact thing OP was talking about. I could go on about this topic and how toxic it is to tell someone that you were better than them at 15-16 in an area they have admitted to having little experience in.

[@mango_raider4116]

If you have so little common sense that you think blinker fluid is real, you deserve to be clowned

[@K7TZ]

Thank you. Looks like everyone is just posting whatever builds, i guess ill post mine too

[@theguyonyoutube4826]

The mom recording her child to showcase how she failed as a parent, with the attotude of "can you beleive this" is crazy.

[@BlazeXCl]

Your mom hurt you didn't she?

[@kennypowers1945]

Not really. The kid shoulda figured it out at school lol

[@mydeershikaxoxoga]

​@@kennypowers1945 Do they teach about credit and banking in schools?

[@mydeershikaxoxoga]

I see that a lot lately. Parents doing zero parenting and showcasing the results on the internet for support.

[@S-Possum]

Honestly...im 26, my oarents have been teaching me about the pros and cons about credit and debit cards since I was 20 and I still cant understand it fully aside from the "the banks is lending you money to pay for it"

[@stephanienonyabeezwax1288]

My parents took me to the bank when I was 16, and I used MY money, to get what’s called a secure card. It had the limit of $300, because that’s what I put “down”. Couldn’t go over that. Paid it at the beginning of each mth if I had used it. It helped me start to build credit at a young age, and learn banking/money/responsibility.. I used it for gas to start. Then other things as I got older. I’m 33, and Still Have It. Still use it when needed. Parents, it’s on you if your kids don’t know banking or how to handle money. Don’t make fun of them for not knowing, when you in fact, failed them there. Our daughter is 6, and we already work on money and explaining things.

[@zyraphyn5893]

Mom and I went into our bank after I graduated HS to remove her from my account (can't do before 18, both must be present). Banker asked if either of us had thought about having me get a credit card to start building credit early. Suggested if I wanted to, I could apply for the [card type] that only had a $500 limit and just use it for a small but regular bill so that the card got used but also payed off every month. He wasn't pushy about it at all, and spoke equally to myself and my mom. Gave us both the information about the card and suggested I think it over for a few days rather than making a knee-jerk decision about it right then. Went back a week later to apply and started using it for my cell phone bill and occasionally for gas. Still have that card over a decade and a half later.

[@hellohaveagoodday]

Man I wish I could do that, in my country I have to wait until I'm 18. Will probably only use it for petrol and food or online stores I don't trust but I wish I could have a little practice before then

[@charlieann456]

​@hellohaveagoodday When you use the credit card today, you have to pay it off with money you haven't even earned yet. It is better to work with cash only. That way you are not tempted to spend foolishly, to buy a pizza on credit.....

[@hellohaveagoodday]

@@charlieann456 it doesn't have to be money you don't have, I mean using it to build up a good credit score is good in the long run if I somehow manage to buy a house

[@charlieann456]

@@hellohaveagoodday Save, save, save if you want to buy a house. If you have a lot of money to put towards the home, your payment will be cheaper each month. Money adds up fast if you separate your needs from your wants. I need to eat. I want to eat a steak in a high priced restaurant. Needs always, wants can wait.

[@snowfleece]

This short provided a good learning experience for my 10 YO son. He has a savings account and a debit card, but has no experience with a credit card. After I explained the difference between debit and credit, he wanted to give her the benefit of the doubt and said that the young girl in this video must think she's paying with a debit card. Maybe he's right. Video isn't enough context. Anyway, thank you for helping me make sure my son would not be ignorant when he gets older. 😂

[@viewersforme839]

10 years old with a debit card??? God dawm the worlds changing 💀 good on you for being a parent that can give there son that responsibility, if this is real I’m proud of yall

[@snowfleece]

@@viewersforme839 many credit unions make it easy. They make sure that the youth accounts can't be overdrawn and it gives children financial literacy and practice. It's just his allowance so it's not like it's a huge amount of money. But enough to gain experience. I did this with my 2 older children as well. They are now successful adults who maintain good credit. I do a variation of the advice in "Debt Proof Your Kids" by Mary Hunt.

[@chooyoo]

the pay button usually directs you to choose your debit card... either way you have to pay it off

[@blueeyedbatman]

​@@viewersforme839It's most likely a kids debit. Many companies have started offering that. It has limited spending capabilities that the parents set up on the app, but teaches them to use money responsibly. Our oldest has had one since she was 9 because we share custody with her mother and her mother is......not the best. We wanted to make sure she was learning useful skills and make sure she could get herself something to eat or whatever she needs. Our other daughter just turned 8 and she has a savings account and will start her debit account in a few years. You can also add them as authorized users to your credit cards when they're 12 or 13 and not give them the card, but it will build up their credit before they're 18 provided you don't start missing payments.

[@silentmeklar1783]

I mean regardless it’s on the parent that gave the child the card and didn’t teach them about it

[@tenkkutn]

My 10 yo son understands how credit works

[@bethhines3527]

Best way it was explained to me... Credit Card= borrowing money you don't have in your current account or won't make with work anytime soon. Paying credit card= shows a history of repaying the borrowed money. Trust is formed which is shown on paper for the future. Credit Score= A chart showing the history of how you have paid it back. In turn Banks and Companies will loan you more money for larger amounts.

[@caitlinhunsuck9099]

No-- better way to see it. You buy everything during a time period you are working. You're employer doesn't pay you until the end of the month. You use that money to pay for the expenses that occurred during that time frame. We used to do this as a society all the time. You would literally have accounts with every merchant, and then you has to go settle at the end of the month. Credit cards short circuit that approach. Now if you over spend, that's another story...

[@b0y.slvt7]

so how come i cant buy stuff unless i have the money i get from work? i thought a card was just like cash but plastic and all in a single piece that also has a code and pin and stuff

[@judith153]

​@@b0y.slvt7You probably have a debit card. Much better because you don't pay interest. Where I'm from, pretty much nobody has a credit card. Which is why nobody has credit card debt.

[@Why-Because-I-Said-So]

My kids would say just pay with a card I would tell them I can’t if there’s no money in the bank…I sat them down drew up a bank gave them tickets and when they wanted to buy something they had to pay frm their allowance account, couple of times of going negative and they got understood the system fast!

[@FringePrincess]

Oooh, I like this idea

[@leslieschott754]

I had to do the same! Need money IN the BANK for ANY activity…..young people need to be shown how that works!

[@daltongarrett7117]

i grew up poor, my mom was a single parent and we were in on her finances.

[@tonks78]

Same! Great idea! ​@@FringePrincess

[@nicandrews1370]

Good job mom/dad that's good parenting 👍

[@mattcrawford5215]

Reminds me of when my little brother and I were out grocery shopping and he wanted a toy and I told him it was too expensive. He said “what do you mean? You just swipe your card and then it’s yours.” He was 15 at the time and after I told my mom she immediately started looking in to getting him a job.

[@FlyingKlutchKick]

Why tf didn’t he have a job already by 14? What thafuq

[@mattcrawford5215]

@@FlyingKlutchKick idk I had my first job at 13, but he was always doing a lot of extracurricular activities so I suppose that kept him busy.

[@lilipelen2726]

​@@FlyingKlutchKick I'm as shocked as you that's so early on ! And 13 is literally crazy

[@gumball5024]

@@FlyingKlutchKickthere aren’t many places that still hire people under 16. Atleast not in my part of the U.S.

[@RainWolf25]

​@@FlyingKlutchKickif this was in the US, federal law prevents anyone under 14 from working. Even with that, most places won't hire until at least 16

[@AndreaBadree]

That's one thing I teach my kids in depth. If your card isn't debit, don't use it. Only buy what you have cash for.

[@Momo_0300]

Bad parenting is bad parenting

[@reidleblanc3140]

My parents constantly did this to me… just without the social media shaming. “If you need to see a doctor, why didn’t you schedule it yourself?” I didn’t know I was old enough to do that. “If you need to get somewhere, why don’t you just rent an uber? You have the money.” Last I heard, I wasn’t allowed to go anywhere by myself.

[@hadtoidbishop]

to sum degree it's sort of a negligence, in a way not taught properly

[@shanleyberry]

I was scheduling doctors appointments as a minor, but only because I kicked my mom out of the room when I was 13 and never looked back. She was being an ass. I never had anyone to lean on when I was scared at a doctors and she never tried to right it. But she didn't teach me a lot of basic shit before that, like hygiene level teaching I learned from google

[@johnnyolaveson2767]

So basically you just assumed stuff happened on its own? I guess you couldn’t ask questions either eh

[@loversroll1]

But youre here shaming them?

[@jeniferjohnson374]

@@johnnyolaveson2767how do you know all the questions to ask before the real situations come up when you're just an adolescent/young teenager, especially if your parents don't teach you common sense things-and that's the issue right there. It's not because the children didn't ask the right questions. It's the parents assigning the kids missions without instructions, with rules that they have had to obey all their lives.

[@AuntSteve]

I'm so glad my dad hammered this kind of info in my head as a kid. Show your kids the bills, teach them how these things work, and don't be afraid to say "I don't know, I'll look into that and tell you later." It also helps your kids appreciate the value of a dollar more when they see how much it costs to just live!

[@zski66]

I had a friend who thought you received credit cards for having good credit. He also believed the money didn't have to be paid back. That's a tough lesson to learn.

[@Seallypoops]

Imagine hesring your kid confused and the first thing you do is go "this will be a great tiktok"

[@MHWM2014]

I have an 18 year old and I’m sick of seeing people shaming teens and 20 somethings for not just knowing things they weren’t taught!

[@evanbelcher]

Really makes me appreciate all the repeated conversations my parents, esp my mom, had with me about things like this. Nobody's ever *ready* for adulthood but they got me as close as they could

[@arshdeepsingh8578]

Clowning your kid even tho you’re the parent you’re supposed to teach your kid about these things. Flaming your kid for attention is insane.

[@larsvogelpoel4396]

why does this child have access to a credit card not knowing how it works? I feel like this is the fundamental question we should be asking

[@karlyet]

She probably got it herself (idk her age so) thinking it work how she thought or her parents got it thinking she automatically knew how credit cards work without teaching her

[@Zelda00Gamer]

I mean maybe to make the parents life easier. Kid is hungry? Mom says order DoorDash on your phone. Kids soccer practice ran late and mom can’t pick them up anymore? Order an Uber from your phone. Etc. we don’t know if this is a “use it whenever” credit card or an “emergency only/use in my presence” card but either way things need to be paid. It could be that simple. Having a credit card doesn’t really mean much nowadays. She easily could have a spending limit and this is like a way to spend her allowance and earn credit. I had a credit card in high school for that very reason! I used it sparingly and carefully and my mom was on top of it.

[@beaby1977]

Maybe she got it herself as soon as you start college or university they hand them out to kids. Regardless, I was never taught that but I knew common sense that nobody was giving me free money how she thought she paid for it so you have a card and you can just swipe it and you just got free things. Like common sense if that was the case, everybody would be using a card and not paying with cash.

[@ChronicRen]

@@beaby1977 she’s like 15, she can’t have taken it out on her own. Plus her mum says “OUR American Express account” which means the kids card is linked to the mums account. It’s linked because it’s not the kids credit card, the mum just got a card and gave it to her kid to use. It’s not actually the kids card. Which is why everyone is saying she’s an irresponsible parent, because she gave her kid a credit card without explaining that it isn’t the same thing as a debit card and what the differences are, and then when the kid inevitably gets in a situation that’s specific to credit cards and is confused, the mum films her and posts her online for being “stupid” despite the fact it’s the mums fault for not explaining the basics of credit before handing her teenage daughter a credit card.

[@beaby1977]

@@ChronicRen oh sorry I missed her saying she was 15

[@chloemarie3553]

I'm so glad I had a finance class my last semester of high school. This was probably the one thing my teacher stressed on every single class, the whole semester. Everyone should have a mamdatory fincance class in high school.

[@maylin1986]

That is a class I wished I had in high school, but we learned how checks worked and how to balance the checkbook. That's as far as we went on learning any financial literacy in 2004. I also wished there were psychology 101 classes students could take voluntarily in high school, should they choose. Would've saved me a lot of pain (all throughout publick schooling) and heartache, post divorce, to learn I'm on the Autism Spectrum. So glad your school is off to a good start, on the right foot in this day and age. 🩷✨️

[@maylin1986]

That is a class I wished I had in high school, but we learned how checks worked and how to balance the checkbook. That's as far as we went on learning any financial literacy in 2004. I also wished there were psychology 101 classes students could take voluntarily in high school, should they choose. Would've saved me a lot of pain (all throughout publick schooling) and heartache, post divorce, to learn I'm on the Autism Spectrum. So glad your school is off to a good start, on the right foot in this day and age. 🩷✨️

[@Jakkman4U]

But sadly, we aint getting that, we're kept in the dark

[@BrennanWest85]

I didn't have a finance class nor did my only parent tell me about credit, and I know this stuff. How do some people not understand how a credit card works? Not trying to be condescending or anything

[@joesr31]

you don't really need a finance class for that, this feels almost like general knowledge, it baffles me how someone don't know how a credit card works. even most 10yo kids understand that concept

[@samurai2871]

I was lucky enough to learn this in High-school I never use a credit card for anything unless it’s a needed like a car. In fact I think my car is the ONLY time I ever did credit.

[@purpledream6204]

The mother 100% failed her daughter. This shaming is unnecessary, and giving her a card with a responsibility that she doesn't understand is gross negligence. That woman has set her daughter up for hard times with her credit the rest of her life if she doesn't learn fast from this mistake that should be on the parents. Sadly, I have heard of parents getting cards in their children's names when their credit ran out and would ruin the credit scores of their children before they even turned 16.

[@emmagreenland-broadsmith6841]

Should be a crime to do that. Although some people do it to build their children’s credit which is great

[@TheRedsuper1]

​@@emmagreenland-broadsmith6841it is a crime, no one under the age of 18 can have an actual credit card, prepaid cards are different. Also, opening a credit card in someone else's name is identity theft.

[@anyjen]

I worked customer service for a credit company for ten years. It's astonishing how many people don't understand this very thing. Each tiny little purchase you make with a credit card company is a tiny loan. The credit card company pays it for you, and then you have to give that money back to them, usually with a small amount of interest on top. It's small because the credit card company is also charging a fee to the shop that sold you that tiny thing and accepted to be paid by someone other than yourself for it. It's profitable for the shop because paying by card doesn't hurt as much as paying with cash, so people tend to overspend if they're paying by card. It doesn't feel like real money, so it feels unfair when the credit card statement arrives and you see the huge total. Not covering that total month after month turns those small interest amounts into huge interest amounts very quickly. And no, cancelling your card doesn't mean you don't owe the money anymore. Also something that is surprisingly common for people to believe.

[@michaelmontgomery727]

Debit takes your money available on-hand to pay for the product, service or idea that you want. If you don't have the funds, you won't be able to use that card to buy it. A credit card is a standing loan. When you purchase a product, service or idea the credit co. pays for the product on your behalf. Then at the end of the month or a regular scheduled tine of your choosing you pay either the minimum that is accepted or in full to keep you in good standing. American Express allows and desires that you pay in a lump sum of the amount due if you can.

[@MrBoba-ok3xn]

We need to start teaching more money management and finance classes in schools.

[@Stevenyoung100]

My 30-year-old friend gotten an argument with me about being able to pay off a credit card with another credit card. I told him yes you would be able to do that but then you have a different credit card that you have to pay off instead of the original credit card. For some reason my friend thought that I was just completely and totally ignored what I said. After not looking at his balance for about a year he then realized that it had almost doubled and blamed me. This is what it means to be human.

[@bill944]

No. This is what it means to be a dumbass.

[@thekingofnoobs8362]

I don't understand why people don't research things before using it

[@esrasor]

he's kinda right, as long as you can acquire new debt you can do this forever. but there is no guarantee you can do this forever.

[@calamity0.o]

You could transfer the debt from a card that has or is about to start incurring interest over to a new one that has 0% interest for a period of months in order to avoid paying more in interest while you are paying the debt down. Don't forget how many months of free interest you have left or you will be in for a huge surprise later.

[@esrasor]

@@thekingofnoobs8362 because they dont expect those predatory practices

[@seaks368]

Had many learning moments like this with my mom. The only difference is that she didn't put a phone in my face and start laughing to then post it on social media.

[@Myboymagic]

This should be taught in school from 6th-12th grades…. Basic finance and how financial life works

[@seaks368]

@@Myboymagic Absolutely.

[@sunny.2052]

That's not taught in school... where did you get that? ​@@Myboymagic

[@GameZedd01]

I'll never understand how Credit Cards have become so normalised in American culture

[@lieutenantlobster6395]

We can't buy anything like a house or a car without one

[@Nerdiness1985]

Because it considerably more profitable than giving Americans wages that reflect the times. It's a fantastic trick, and now it's at the point where you can't even book a hotel room in the US without a credit card anymore. Even if you pay with cash they will insist on inputting a credit card number. now they are stuck using them. it's the norm now.

[@Premium-Content]

I only use credit cards when possible. Why not get points? Really using cash when your being charged the same is stupid

[@GameZedd01]

​@@Premium-Content because with credit cards you have to pay twice? And you spend outside your means so you accumulate debt?

[@branditemple8954]

​@@GameZedd01 except you don't spend outside your means if you are smart about it and you rob the credit card company blind with Amazon points......and you need that stupid high credit rating for so 'they' know you know how to play their stupid game and they are gambling against you to slip up......🎉

[@michaell8722]

An American Express is not a credit card it’s a charge card, which means whatever you charge you pay for in full when the bill arrives. A credit card will allow you to pay a portion of it until it is paid in full, hence the term credit

[@SimplySatisfiedSarah]

That is like a huge parenting failure. I remember when I was about five years old in the 80s asking my mom for some really expensive gift at Christmas. She said we didn’t have the money and I told her just write a check. That’s pretty much what this girl is saying. How can this even be real? This is mind blowing.

[@emstink]

It's awful. As someone who had no idea what American Express was (I'm not American), from the mother's explanation I was thinking maybe there's some kind of tax the girl needs to pay separately. Her explanation is awful. But no, it's just a credit card - why didn't the mother just explain American Express has lent her the money and so she has to pay them back??

[@shlongbongchewy]

You forgot your money for the concert tickets, your friend offers to pay for you if you pay her back later. She says you have to pay back extra if it takes a long time. Your friend is the credit card.

[@thomaskelsey8949]

That pause from the mom at the end says it all. Even she doesnt know how it works

[@eggsbaconchiz]

Are you on the spectrum because that’s not what her look meant at all. It was clearly an amused disbelief/shocked type of look. Although that’s her fault for not teaching her daughter.

[@danmakes2497]

​@@eggsbaconchiz First off, that's incredibly rude and you don't ask that. Two, no, it can be both. She failed to explain not just to her daughter but to the audience what the credit card actually is for along with stumbling with her words to actually "explain." Her look "looks" like amusement, but underneath it is confusion as well and she stopped herself because she fully didn't understand and wanted to prevent the audience from knowing except her body language gave it away. Also those on "the spectrum" CAN actually understand body language, some even better than those not on "the spectrum".

[@karinalumen9722]

@@eggsbaconchizthose on “the spectrum” understand reality better then you its the Bs rules and passive actions they don’t understand and quite frankly never do yall you just follow what youve been told

[@ellssss_]

@@eggsbaconchiz as an autistic person, check your ableism. thanks

[@alexandrac6177]

@@danmakes2497Okay, he should not have called you autistic. Full stop. And this lady is way out of line shaming her daughter for something she herself failed to teach to her. But you’re making some wild leaps saying she had a look of confusion “underneath” because she didn’t explain “to the audience”. She clearly didn’t think it NEEDED explained, which is why she had to stop herself from laughing. Honestly her taking it for granted is probably why she failed to explain it to her daughter in the first place.

[@aNotoriousNerd]

Mom is having a difficult time explaining what’s going on. She’s clearly an ineffective teacher for her daughter.

[@Rabbithole11]

I know a girl that was so sheltered and spoiled that she didn’t know she was expected to pay her electricity bill every month. She thought the first month was the first and last bill she would ever have to pay until she moved out. I cannot explain the meltdown when she finally understood that the electricity bill comes every month and is based on how much electricity you actually use. Like how do you not know that?

[@JM.piwz1]

Because her parents did a poor job on educating her about anything. Probably.

[@sifumode9460]

@@JM.piwz1 No, this is SIMPLE common sense. Nobody needs to teach you water is wet. Now, GOOD personal finances, e.g. saving, planning, living within your means, etc, DOES require learning and we're not teaching it. But "pay your bills" is so simple a caveman can do it.

[@brandonmay3094]

⁠@@sifumode9460unfortunately no, that fairytale has been destroyed. You must share to the future the scope of things afoot.

[@ebbiebean9385]

@@sifumode9460Unfortunately, for humans, EVERYTHING has to be learned. How did you figure out that water is wet ( by the way, water is not wet, water makes things wet)? You were taught what the word “wet” meant, and learned that sensation is commonly ascribed or associated to water. Nothing is instinctual. Even the simplest of concepts has to be taught in one way or another. Things like “you gotta pay bills” is something you have to learn somewhere along the line. Someone failed that girl, I’m afraid.

[@sifumode9460]

@@ebbiebean9385 Yes, but the concept of debt is leaned from a million other contexts. You don't need to know specifically that a credit card is debt in some special birds-and-the-bees kind of parental teaching. If you do, YOU'RE STUPID. And that's the point of the video.

[@Oboendband]

So sad that when this mom heard her daughter’s question, she pulled out the camera and made her repeat it for the world instead of answering. If mom doesn’t understand either, look for explanations together. 😢

[@Nana-jy8pc]

Imagine finding out your mom posted the funny video you guys took of your embarrassing moment yesterday and now are waking up to millions of strangers belittling you for not knowing better and calling you stupid.

[@Jaysennx3]

She looks kinda grown tho like at least 18 meaning she’s an adult… google is free and she should know the basics of a credit card. It’s kind of common sense to anyone that opens a credit card that you’ll eventually receive a bill for what you bought.

[@ovaelin]

@@Jaysennx3why would she google something when she thought she already knew how it worked? think for a second moron

[@paracosm0]

@@Jaysennx3brain isn't fully developed at 18 and i'm pretty sure she's 15 or so in that

[@chipmerrill5964]

Good Luck with the Birds & Bees conversation!

[@kenm2679]

Cool, now do how food magically appears in the supermarket.

[@ceetiguilamoreno2550]

Learning bookkeeping/accounting is very important They used to teach that in schools, check balance and stuff

[@Beachdawg1996]

Some schools still do

[@thehawaiianmuse98]

I legitimately had the same conversation with a full grown woman when I worked at a credit card call center. She was mad that she got an invoice from the cc company requesting payment for a purse when she had "already paid it" with her cc at time of purchase. 🤦‍♀️

[@leebliss3622]

HAHAAHAHAH omg wow

[@dyseskytten1]

Tell her to get a debit card then :) - problem solved.

[@bluestripes6037]

The word "credit" is in the name... but I guess the meaning is lost to familiarity?

[@thekingofnoobs8362]

What I don't understand do they expect the bank to pay for it I just don't get it

[@cindycraig3164]

Somewhere I heard/read that when you pay with cash pain centers in the brain are activated. When you pay with a credit card, they don't. Which is one reason people end up with big card debt.

[@DGKalldayLong1]

Thank god they're not having this conversation when she's 25 lol.

[@mariomario1462]

Why?

[@jaydeatts]

​@@mariomario1462 because she would be bamkrupt?

[@mariomario1462]

@@jaydeatts why??

[@jaydeatts]

@mariomario1462 ok, she would not have gone bankrupt. what would have happened is she would have either hit her credit limit or if it's an amex platinum (which doesn't have a fixed spending limit) Amex would eventually freeze her account. Either way, she would be delinquent of many payments. That is one of the biggest factors when it comes to credit scores. Another major factor is the age of your accounts. Being young and having a ton of delinquent payments is how you set yourself up to have a massive hole to climb out of if you ever want to finance a car, buy a home, apply for an apartment, etc. Then there's the matter of interest. Now you have to pay the amount you used the card for plus any accrued interest over the months and months of unpaid charges. In reality, your life wouldn't really be ruined financially or otherwise, but things would really suck for about 7 years. Anyone who doesn't know these basic facts about credit should not have a credit card, in my opinion. Also, I am a firm believer that everyone's first card should be a secure card and never close the account.

[@Username0467]

@@mariomario1462 … are you purposely being difficult?