POD 5
[11:10] Kythera SMSTrekker: most teens make da mistake of not keepin their credit info secure
[11:10] Shanka SMSTrekker: and credit cards dont have fixed amount
[11:10] Shanka SMSTrekker: tummy
[11:10] Zerlin SMSTrekker: Yeah, and most can’t get out of debt
[11:10] Zerlin SMSTrekker: for a loooong time
[11:10] Joella SMSTrekker: yea and without a fixed amount they can spend a ton and get into alot of trouble
[11:10] Centes SMSTrekker: teens should have a credit if they have a job that can pay the credit card bill
[11:10] Pyrrha SMSTrekker: what if their cars break down and they need a place to stay and food for theior tummioes
[11:11] Zerlin SMSTrekker: They have to watch what they spend on it though
[11:11] Kythera SMSTrekker: also most kids dont hav a job that could pay huge credit card bills
[11:11] Zerlin SMSTrekker: Most aren’t that bright
[11:11] Stateira SMSTrekker: and if you lose cash, thats it, its gone. but if you lose a credit card, you can call your carrier andcancel your account so you arent charged with purchases youdidnt make
[11:11] Pyrrha SMSTrekker: true
[11:11] Stateira SMSTrekker: mhmm(:
[11:11] Centes SMSTrekker: This convo is intense
[11:11] Kythera SMSTrekker: in sum ways thats ok but stil….
[11:11] Shanka SMSTrekker: double a is very irrespnsible and i cant
c him have the responisbility to have a credit card
[11:12] Pyrrha SMSTrekker: credit cards are a symbol of responibility and teens need to feel good bout themselves
[11:12] Pyrrha SMSTrekker: TOP IT
[11:12] Kythera SMSTrekker: but…would a kid feel good if they went
into debt?
[11:12] Zerlin SMSTrekker: It’s irresponsable to give them that “reponsibility” Harrison
[11:12] Joella SMSTrekker: teens may feel goood but they will relize they spent more money with a credit card then they could of with cash
[11:12] Stateira SMSTrekker: well never mind feeling good, what happens if theres an emergencey and you dont have any money on you?
[11:13] Centes SMSTrekker: Credit cards are something someone with trust can only handle
[11:13] Pyrrha SMSTrekker: but they will feel responsible and try not to get into debt
[11:13] Joella SMSTrekker: then how about debit cards in case of emergencies. that way its money they have
[11:13] Kythera SMSTrekker: yeah but wat if they make a huge mistake
[11:13] Shanka SMSTrekker: umm i like money
[11:14] Stateira SMSTrekker: well if they make a mistake, they’ll have tofix it. theyget a learning experianceout of it
[11:14] Pyrrha SMSTrekker: then they are in trouble but credit cards are important for teens
[11:14] Kythera SMSTrekker: yeah but do you like money y
ou have to bac w/ interest?
[11:14] Joella SMSTrekker: yea but th
eir credit score will be bad and then they will end up paying more because of the higher interest
[11:14] Centes SMSTrekker: Credit cards these days are the safe way to keep money
[11:14] Pyrrha SMSTrekker: thats great5 double a
[11:14] Zerlin SMSTrekker: Don’t forget those high interest rates….. o_O
[11:14] Kythera SMSTrekker: so r debit cards
[11:14] Zerlin SMSTrekker: Debit is b
etter.
[11:15] Zerlin SMSTrekker: It’s safer
[11:15] Kythera SMSTrekker: thank u!!
[11:15] Shanka SMSTrekker: credit cards get kids into debt b.e they charge such high interest rates and kids think they r cool b.e they have it and think they r rich when they arent
[11:15] Zerlin SMSTrekker: Exactly Shanka
[11:15] Joella SMSTrekker: safe and c
onvienent yes but more dangerous. and credit cards could cost you alot of money
[11:15] Pyrrha SMSTrekker: yes but the longer they have credit cards the more expierenced they become and then they will have a better credit score
[11:15] Kythera SMSTrekker: very tru…thx shanka
[11:15] Stateira SMSTrekker: actually
, teens w/ credit cards qualify for favorable interests on allll types of loans
[11:15] Centes SMSTrekker: teens have other options like having a low credit limit
[11:15] Shanka SMSTrekker: cash is
like a bank account r the safest and credit cards are like stocks very risky
[11:15] Pyrrha SMSTrekker: not if they use them right
[11:15] Stateira SMSTrekker: not necessarily
[11:16] Zerlin SMSTrekker: But teens often don’t
[11:16] Pyrrha SMSTrekker: well no
w they are educated
[11:16] Zerlin SMSTrekker: They don’t have the minds of adults yet
[11:16] Stateira SMSTrekker: if they have a fixed limit on the credit card, they cant get into debt
[11:16] Joella SMSTrekker: teens often go on a spending spree and then they are up to their ears with debt
[11:16] Pyrrha SMSTrekker: agree
d
[11:16] Pyrrha SMSTrekker: wit stat
[11:16] Centes SMSTrekker: Shanka do u feel teens shouldnt have crredit cards b/c most teens relay on parents for money
[11:16] Shanka SMSTrekker: yes s
o let the adults keep the credit cards and let kids borrow it when they need to
[11:17] Zerlin SMSTrekker: You can still overspend thou
gh, right?
[11:17] Zerlin SMSTrekker: With fixed credit
[11:17] Kythera SMSTrekker: if teens make mistakes with their credit card….the lower their credit score and reduce the ability 2 obtain credit
[11:17] Shanka SMSTrekker: no how
[11:17] Joella SMSTrekker: but credit c
ards don’t have limits. they are limitless amount of money and this would lead to you owing alot of money
[11:17] Kythera SMSTrekker: tru
[11:17] Zerlin SMSTrekker: veru tru
[11:17] Zerlin SMSTrekker: *very
[11:17] Pyrrha SMSTrekker: some jobs require credit cards in order to qualify
[11:17] Zerlin SMSTrekker: Jobs for teens?
[11:17] Pyrrha SMSTrekker: and same with loans
[11:17] Stateira SMSTrekker: if teens can
maintain a good credit history, you’ll obtain lower auto and homeowners insurance premiums
[11:17] Pyrrha SMSTrekker: yes
[11:17] Kythera SMSTrekker: yeah…4 teens?…i dont think so
[11:18] Zerlin SMSTrekker: Liike what?
[11:18] Stateira SMSTrekker: so you can actually save money with credit cards
[11:18] Joella SMSTrekker: yea but it
is harder to get loans if you have a bad credit history
[11:18] Shanka SMSTrekker: yes so kids should just be trusted with money (cash) and let kids use credit cards from their parents when they
REALLY need it like we said before kids dont have adult minds yet
[11:18] Pyrrha SMSTrekker: like if they want a college loan or a car loan
[11:18] Centes SMSTrekker: Zerlin do u believe that a parent should have trust in there child even if there irresponsible
[11:18] Kythera SMSTrekker: but we r tlakin bout kids our age….
[11:18] Pyrrha SMSTrekker: tell the
m
[11:18] Zerlin SMSTrekker: no not really
[11:19] Zerlin SMSTrekker: Why shou
ld they trust them?
[11:19] Kythera SMSTrekker: i wouldnt
[11:19] Shanka SMSTrekker: i disagree
[11:19] Pyrrha SMSTrekker: ok
[11:19] Zerlin SMSTrekker: Cassy will represent the disagree
[11:19] Zerlin SMSTrekker: Or Shanka
[11:19] Kythera SMSTrekker: yeah!!
!!
[11:19] Stateira SMSTrekker: well they should be given a spending limit in the beginning, but as they get older they get more respnsiblee
[11:20] Zerlin SMSTrekker: Doesn’t mean they won’t overspend
[11:20] Kythera SMSTrekker: tahts
tru…but kids our age want 2 spend
[11:20] Stateira SMSTrekker: yes it does
[11:20] Shanka SMSTrekker: actually cassy can take stand
[11:20] Stateira SMSTrekker: if theyre given aspending limit, they CANT go over it
[11:20] Pyrrha SMSTrekker: In conclusion, we feel that teens should have credit cards becuase if they get into an emergency like if their car breaks down, they need to buy food, a hotel room and maybe pay for the car to get fixed and they dont carr
y around cash like that
[11:20] Joella SMSTrekker: in conclusion we believe that kids should not have credit cards because they can get into a lot of debt, sometimes they are irresponisble, they might go on a spending spree and they will have bad credit history so they won’t be able to get loans in the future.
[11:20] Stateira SMSTrekker: cant**
[11:21] Shanka SMSTrekker: pyrhha plz spell right
[11:21] Pyrrha SMSTrekker: als
o it will give them expierence with credit cards and bills for the future
[11:21] Zerlin SMSTrekker: Are we done?
[11:21] Stateira SMSTrekker: y
epp
[11:21] Kythera SMSTrekker: no wait
[11:21] Shanka SMSTrekker: nice job everyone
[11:21] Zerlin SMSTrekker: ye
ah nice job
[11:21] Kythera SMSTrekker: stopp wait
[11:22] Joella SMSTrekker: and are we really that resbonsible?? sometimes moeny is indespensible to us because our parents could just pay for us. those aren’t the kind of peop,e who sdould have a credit card
[11:22] Pyrrha SMSTrekker: k
[11:22] Zerlin SMSTrekker: should we stop now?
[11:22] Shanka SMSTrekker: yes
s
[11:22] Zerlin SMSTrekker: ok
[11:22] Kythera SMSTrekker: sure
[11:26] Platform-Five whispers: Platform-Five now descending.
[11:26] Stateira SMSTrekker: well…that wasfun…
The topic for the 8th grade class debate was whether or not teens should be allowed to have credit cards.
POD 2
[10:03] Platform-Two whispers: Platform-Two now ascending.
[10:06] Metcalfia SMSTrekker: look outside the pod
[10:06] Titania SMSTrekker: ik
[10:06] Metcalfia SMSTrekker: someone start the debate
[10:07] Euphemia SMSTrekker: do u think peopl should have credit cards
[10:07] Titania SMSTrekker: yes i do
[10:07] Bondia SMSTrekker: not teens
[10:07] Titania SMSTrekker: yes they should
[10:07] Nora SMSTrekker: yes i do
[10:07] Bondia SMSTrekker: they would spend o much money nd not pay it back
[10:07] Metcalfia SMSTrekker: why do u think teens should have credit cards titania
[10:07] Metcalfia SMSTrekker: or anyone
[10:07] Titania SMSTrekker: responobility
[10:08] Bondia SMSTrekker: teens dont have much resposibleity…..
[10:08] Metcalfia SMSTrekker: what about responsibility
[10:08] Titania SMSTrekker: u dont know that
[10:08] Nora SMSTrekker: they can be responsible if you make them pay
[10:08] Bondia SMSTrekker: noooo cause they dont have a job so they cant pay it back
[10:08] Euphemia SMSTrekker: they shouldnt have credit cards
[10:08] Titania SMSTrekker: it will teach them resposoblitiy
[10:08] Bandusia SMSTrekker: i think that young adults such as teens should not have credit cards bc of the financhal slop . if adulst with a greater income can not pay off a bill how can a teen?
[10:09] Bandusia SMSTrekker: no bc they arent responsible
[10:09] Bondia SMSTrekker: but teens dont have money like parents do
[10:09] Nora SMSTrekker: it depends on the teen
[10:10] Metcalfia SMSTrekker: money is earned with responsibility. you wouldnt give a teen $3,000 in cash. whats the differencce
[10:10] Nora SMSTrekker: no difference it depends on the person
[10:10] Titania SMSTrekker: they could be not every teen is irrresponsible
[10:10] Bondia SMSTrekker: its more for credit cards
[10:10] Bandusia SMSTrekker: bc if the teen is given a credit card and spends so much they cant pay it off the bill is going to be increased or the parenst will be paying for it
[10:10] Euphemia SMSTrekker: yes
[10:10] Bondia SMSTrekker: no
[10:10] Euphemia SMSTrekker: ok
[10:10] Metcalfia SMSTrekker: Teens must learn that credit is expensive and that they will end up spending much more money on item that they would otherwise need because of interest.( Randy Scott helium.com)
[10:11] Xenia SMSTrekker: but sometimes if you make mistakes with your credit card your interest rate can increase and then you have to pay more money in the end
[10:11] Alesana SMSTrekker: yes
[10:11] Renate SMSTrekker: yes but some teens get into sucj bad debt that they wil be like 60 by the time its all paid off so over that time they rnt going to buy anthing else anyway so even if they learn the lessinb they wont use it
[10:11] Zwetana SMSTrekker: well if the parents know that the teen is responsible enuf 2 hav 1 then they can giv them 1
[10:11] Lindemannia SMSTrekker: yea
[10:11] Alesana SMSTrekker: its to big of a responsibility for a teen
[10:12] Brangane SMSTrekker: no matter how responsible they are, they need to be an adult, mature. And if they get a credit card, and lets say they loose it. it takes a while to pay it off
[10:12] Bandusia SMSTrekker: u to
[10:13] Metcalfia SMSTrekker: no interst
[10:13] Metcalfia SMSTrekker: interest*
[10:13] Titania SMSTrekker: yes but its new to them so they will make mistakes
[10:13] Bondia SMSTrekker: no
[10:13] Euphemia SMSTrekker: yeah thats true
[10:13] Metcalfia SMSTrekker: $6,000 mistakes
[10:13] Nora SMSTrekker: thay will but as long as thay are not drastic
[10:13] Titania SMSTrekker: so
[10:13] Bandusia SMSTrekker: the avrige debt for the american is 20000 $ imagin the avrige if teens had that
[10:13] Titania SMSTrekker: omgz thats lots
[10:13] Nora SMSTrekker: so
[10:14] Metcalfia SMSTrekker: its the average debt of a college grad without tuition or car is $6,000
[10:14] Titania SMSTrekker: so so
[10:14] Nora SMSTrekker: how old r they
[10:14] Lindemannia SMSTrekker: well you have to b the one that makes the right choice we all no right from wrong
[10:14] Brangane SMSTrekker: yes but its yerresponsibility
[10:14] Zwetana SMSTrekker: well then those parents hav their own problems anyway
[10:14] Leonora SMSTrekker: because they think that you can handle the freedom
[10:14] Alesana SMSTrekker: it is the parents fault but its not completely
[10:14] Xenia SMSTrekker: well if you dont have a job you shouldnt have one because your nnot earning anything just spending
[10:14] Renate SMSTrekker: just b/c u KNOW right from wrong doesnt mean u will DO wats right
[10:15] Alesana SMSTrekker: yes
[10:15] Brangane SMSTrekker: but stillits YOUR responsibility, if you really think that you could handle it, thats your problem but if you loose it, dont blame anyone but yourself.
[10:15] Lindemannia SMSTrekker: you learn from your mistakes
[10:15] Cava SMSTrekker: exactley
[10:15] Xenia SMSTrekker: yeah you will stillspend money no matter what. even if you are responsible
[10:15] Brangane SMSTrekker: but you wouldnt make mistakes if you choose the right desicion
[10:15] Zwetana SMSTrekker: ok but they are still alowed 2 hav one, its not like its against the law
[10:15] Alesana SMSTrekker: but u shoodnt want to make a huge mistake like that
[10:15] Renate SMSTrekker: ur rght b4 u spend anything u shud have an incmoe
[10:16] Alesana SMSTrekker: you shouldnt have to lean the hard way
[10:16] Brangane SMSTrekker: exactly
[10:16] Renate SMSTrekker: y shud they have 1 just b/c its not agantst the law doesnt mean they can handle it
[10:16] Zwetana SMSTrekker: ok well then parents shud giv RESPONSIBLE kids credit cards
[10:16] Cava SMSTrekker: why even have a cc anyway it just makes you take advantage
[10:16] Leonora SMSTrekker: thats the only way you learn though
[10:16] Alesana SMSTrekker: thats why when yyour a mature adult you should have a credt card
[10:16] Zwetana SMSTrekker: and MATURE kids
[10:16] Brangane SMSTrekker: yes i agrede
[10:16] Xenia SMSTrekker: yeah and why would you want to spend so much money inthe end if you got things that you dont really even need
[10:16] Brangane SMSTrekker: but adults are much more mature then kids
[10:16] Brangane SMSTrekker: comeonm
[10:17] Lindemannia SMSTrekker: you should b mature but if your not mature mayb it can teach them a lesson to b mature
[10:17] Renate SMSTrekker: sometimes though people can make the same mistake over and over again and not learn the lesson wat about those people
[10:17] Renate SMSTrekker: they’ll never learn
[10:17] Alesana SMSTrekker: thats a very hard lesson
[10:17] Alesana SMSTrekker: you shouldnt have to leanr that way
[10:17] Lindemannia SMSTrekker: but if they are paying the amout they will learn
[10:17] Renate SMSTrekker: and even if u lear the lesson its eaiser sed then done
[10:17] Alesana SMSTrekker: theyre other ways of learning that dont cause u debt
[10:17] Zwetana SMSTrekker: well if they get in very bad debt, dont u think theyll be smart enuf not 2 do t again cuz they know the consequences
[10:18] Cava SMSTrekker: yes
[10:18] Cava SMSTrekker: yes
[10:18] Brangane SMSTrekker: listen, i think that no matter how mature u are, its for ADULTS not teens. teens are sure to loose the credit card. IT TAKES SOOOLONG TO PAY IT OFF
[10:18] Alesana SMSTrekker: yes!
[10:18] Brangane SMSTrekker: yeah(:
[10:18] Renate SMSTrekker: just b/c they know they made a mistake and not to do i again its eaiser sed then done
[10:18] Xenia SMSTrekker: you shouldnt have to make the mistake of spending too much mnoneyto learn how to use a credit card
[10:18] Zwetana SMSTrekker: CANCEL IT
[10:18] Leonora SMSTrekker: it is alo posible for an adu.lt to lose their credit card also
[10:18] Zwetana SMSTrekker: IF U LOSE IT CANCEL IT
[10:19] Brangane SMSTrekker: but if you cancel it,u still havhe to pay itoff
[10:19] Renate SMSTrekker: we r not supossed to be talking about if u lose it or not wat does that have 2 do with teens and CC
[10:19] Zwetana SMSTrekker: after that nuthin well happen
[10:19] Xenia SMSTrekker: yeah and its not like you will only make the mistake once.
[10:19] Brangane SMSTrekker: theres no point
[10:19] Cava SMSTrekker: and u will be so far into debt yr partents cant help u out
[10:19] Alesana SMSTrekker: yeah
[10:19] Renate SMSTrekker: exactly ur ;ikley 2 ake the same mistake over and over
[10:19] Brangane SMSTrekker: ya
[10:19] Renate SMSTrekker: u may not learn
[10:19] Zwetana SMSTrekker: well then maybe they shudnt have givin it 2 u in the first place
[10:19] Lindemannia SMSTrekker: yes they can they can look after you and see how much your spending
[10:19] Renate SMSTrekker: EXACTLY
[10:20] Renate SMSTrekker: thats wat i’m saying they shudnt have 1
[10:20] Alesana SMSTrekker: sometimes kids get the credit cards themselves
[10:20] Brangane SMSTrekker: exaclt zwetana
[10:20] Xenia SMSTrekker: yeah and then you end up just wasting even more money
[10:20] Alesana SMSTrekker: not th parents
[10:20] Zwetana SMSTrekker: well im just sayin y wud a parent giv u a cc and not help u even a litle
[10:20] Lindemannia SMSTrekker: not exactly
[10:20] Brangane SMSTrekker: no matter who gives it to you, its still your responsibility
[10:20] Alesana SMSTrekker: its not there problem
[10:20] Brangane SMSTrekker: exactly
[10:20] Alesana SMSTrekker: if they dont give it to you
[10:20] Alesana SMSTrekker: they should
[10:21] Alesana SMSTrekker: but not all parents do
[10:21] Zwetana SMSTrekker: they shud giv it 2 u?
[10:21] Cava SMSTrekker: mmmhhh
[10:21] Alesana SMSTrekker: nd where does that leave you?
[10:21] Alesana SMSTrekker: in debt
[10:21] Alesana SMSTrekker: for years
[10:21] Cava SMSTrekker: yea
[10:21] Renate SMSTrekker: they will help u a little but that doesn t mean buy everythin nd if ur parent sayd they’ll help u magority of the people will take advatgae
[10:21] Brangane SMSTrekker: my parents no for sure they would not take a chance like that
[10:21] Zwetana SMSTrekker: not all the time tho
[10:21] Brangane SMSTrekker: exactly
[10:21] Renate SMSTrekker: xactly many parent wudnt
[10:21] Zwetana SMSTrekker: not evry1 in the world always goes in2 debt
[10:21] Jess SMSTrekker: credit cards are bad for kids
[10:21] Alesana SMSTrekker: they r
[10:21] Zwetana SMSTrekker: then they wudnt hav ccs 4 any1
[10:21] Renate SMSTrekker: it just doesnt make sence 4 them 2 have 1 its not nessacary
[10:21] Brangane SMSTrekker: they are bad
[10:21] Lindemannia SMSTrekker: we r not talking about kids we r talking about teens
[10:22] Xenia SMSTrekker: yeahh its really a waste of money to give an irresponsible teen a credit card
[10:22] Zwetana SMSTrekker: i think we all know that
[10:22] Alesana SMSTrekker: yes
[10:22] Zwetana SMSTrekker: its bout teens
[10:22] Renate SMSTrekker: same thine teens kids we’re not talkiing abut 6 year olds
[10:22] Lindemannia SMSTrekker: no its not a waste of time if you learn a lesson\
[10:22] Leonora SMSTrekker: they should have ccs because if thye dont go into debt as a teen you probably will as an adult’
[10:22] Cava SMSTrekker: and adults
[10:22] Renate SMSTrekker: if thats wat u mean
[10:22] Brangane SMSTrekker: okay but it rlly is a waste of money, if your going to want a credit card, why would you pay MORE money on yourself when your parent has one?
[10:22] Alesana SMSTrekker: most teens will only spend it on luxury items
[10:22] Cava SMSTrekker: yea why not use cash
[10:23] Platform-Four: You have been paged by Bondia SMSTrekker on Platform-Four
[10:23] Brangane SMSTrekker: obviouslythey have the money for you. so no need for a credit card, just use cash
[10:23] Zwetana SMSTrekker: even adults go in2 debt so its the same 4 adults so do u think adults shudnt hav ccs either??
[10:23] Jess SMSTrekker: not all ppl are going to be in debt
[10:23] Renate SMSTrekker: eacly teens dont need CC it just is an unnessacry risk
[10:23] Lindemannia SMSTrekker: yea you havea point
[10:23] Brangane SMSTrekker: exactly
[10:23] Lindemannia SMSTrekker: yea they do
[10:23] Xenia SMSTrekker: yeah and then youend up buying what you want and you buy to much
[10:23] Alesana SMSTrekker: most TEENS will be
[10:23] Jess SMSTrekker: not really
[10:23] Zwetana SMSTrekker: and wat about adults 2??
[10:23] Brangane SMSTrekker: teens will take advantage and buy NEEDLESS things on a cc
[10:23] Renate SMSTrekker: yea adults go into debt but it will be even worse wuth teens
[10:23] Xenia SMSTrekker: yeah teens should use cash not credit cards
[10:23] Zwetana SMSTrekker: did u learn about sumthin called the great depression
[10:23] Lindemannia SMSTrekker: adults can b as bad as teens
[10:24] Jess SMSTrekker: true
[10:24] Brangane SMSTrekker: they dont always go ibnto debt
[10:24] Alesana SMSTrekker: yes they can
[10:24] Cava SMSTrekker: very
[10:24] Zwetana SMSTrekker: that was caused partly by adults going in2 debt
[10:24] Alesana SMSTrekker: but
[10:24] Renate SMSTrekker: yes the great depessiion 1 of the main causes was CC
[10:24] Alesana SMSTrekker: teens dont have the maturity adults have
[10:24] Brangane SMSTrekker: but not ALL ADULTS GO INTO DEBT
[10:24] Jess SMSTrekker: CC are fine & thats final!
[10:24] Brangane SMSTrekker: NO!
[10:24] Leonora SMSTrekker: yeha but teens didnt have ccs it was the adullts
[10:24] Jess SMSTrekker: rar
[10:24] Zwetana SMSTrekker: and not all teens go in2 debt]
[10:24] Lindemannia SMSTrekker: the great depression was a long time ago and that cant happen again because of they new deals
[10:25] Alesana SMSTrekker: not true
[10:25] Lindemannia SMSTrekker: yea
[10:25] Brangane SMSTrekker: not at all
[10:25] Alesana SMSTrekker: our economy rite now is terrible
[10:25] Alesana SMSTrekker: were one step away from a depression
[10:25] Alesana SMSTrekker: were in a recession
[10:25] Brangane SMSTrekker: exactly
[10:25] Zwetana SMSTrekker: no were not
[10:25] Lindemannia SMSTrekker: but there isnt going to b a great depression
[10:25] Xenia SMSTrekker: so i guess nomatter who you are you should watch what you buywith a credit card and be carefulv with whatyou spend
[10:25] Renate SMSTrekker: but thats not the piont the piont is it is bad enough wuth adults going into debt we donot need to ad teens into the mix also
[10:25] Alesana SMSTrekker: we r
[10:25] Zwetana SMSTrekker: were far waway from that
[10:25] Brangane SMSTrekker: why spend more money on needless things? even a credit card for teens is NEEDLESS!
[10:25] Jess SMSTrekker: credit cards are fine for teens
[10:26] Alesana SMSTrekker: yeah!
[10:26] Lindemannia SMSTrekker: they r
[10:26] Alesana SMSTrekker: they arent
[10:26] Leonora SMSTrekker: yeah
[10:26] Lindemannia SMSTrekker: yes they r
[10:26] Brangane SMSTrekker: this isnt just responsibility we r talkinq about we are talkinq about age
[10:26] Renate SMSTrekker: Y, Y R they fine 4 teens???????
[10:26] Jess SMSTrekker: if you think credit cards are fine say yes
[10:26] Alesana SMSTrekker: i meant yeah bout something else not bout teend having ccs
[10:26] Leonora SMSTrekker: the young people need responcibility
[10:26] Lindemannia SMSTrekker: and some adults act lik they are 10
[10:26] Jess SMSTrekker: ys
[10:26] Jess SMSTrekker: yes
[10:26] Xenia SMSTrekker: yeah but not all teens are responsible
[10:26] Renate SMSTrekker: hats not a debate u have to say Y!
[10:26] Alesana SMSTrekker: they will have debt!
[10:26] Zwetana SMSTrekker: but not all ppl of the same age have the same responsiblity sum r more mature
[10:26] Alesana SMSTrekker: tons of it
[10:26] Alesana SMSTrekker: they shoodnt learn the hardway
[10:26] Brangane SMSTrekker: im not chanqinq my oppinion
[10:27] Jess SMSTrekker: adults have the same risks as kids
[10:27] Alesana SMSTrekker: noooo
[10:27] Zwetana SMSTrekker: ok then ud hav 2
[10:27] Lindemannia SMSTrekker: yes they do
[10:27] Zwetana SMSTrekker: ya hey do
[10:27] Zwetana SMSTrekker: they*
[10:27] Renate SMSTrekker: i still think teens shudnt have CC…….thanks guys 4 a good debate!
[10:27] Brangane SMSTrekker: nobecause what u dont understand is that they aere MUCHH MORE MATURE THEN US.THEY HAVE MUCH MORE EXPERIENCE
[10:27] Lindemannia SMSTrekker: not relly
[10:27] Alesana SMSTrekker: YES!!!!!!!!!
[10:27] Alesana SMSTrekker: yes they do
[10:28] Lindemannia SMSTrekker: no
[10:28] Alesana SMSTrekker: they lived longer then us
[10:28] Brangane SMSTrekker: same thanks. (:
[10:28] Alesana SMSTrekker: they experieced more
[10:28] Brangane SMSTrekker: …
[10:28] Alesana SMSTrekker: experienced*
[10:28] Xenia SMSTrekker: i dnot think they should have them.theyd waste too much money on wants
[10:28] Brangane SMSTrekker: yes.
[10:28] Lindemannia SMSTrekker: that doesnt matter
[10:28] Brangane SMSTrekker: yes it does!
[10:28] Lindemannia SMSTrekker: no
[10:28] Leonora SMSTrekker: i agree that teens should have credit cards because it gives them freedom, responcibility and experience and if they go into debt thye learn from their mistakes
[10:28] Lindemannia SMSTrekker: yes it doews
[10:28] Renate SMSTrekker: thanks guys
[10:28] Zwetana SMSTrekker: yes good
[10:28] Alesana SMSTrekker: thank you
[10:28] Jess SMSTrekker: credit casrds aref ne
[10:28] Alesana SMSTrekker: for a good debate(:
[10:28] Xenia SMSTrekker: thanks.
[10:28] Proxy Hillburn is Online
[10:29] Jess SMSTrekker: no
[10:29] Brangane SMSTrekker: cc are not for teens but alright.
[10:29] Renate SMSTrekker: i’ll do the desagree
[10:29] Brangane SMSTrekker: thanks guys. (:
[10:29] Xenia SMSTrekker: okay
[10:29] Lindemannia SMSTrekker: they are
[10:29] Jess SMSTrekker: okay!!!
[10:30] Bandusia SMSTrekker: in conclusion of teens having credit cards i think they should not be given the responsibilty of such money. the debt is verry destructing iit could change your live for ever. responsibilty is tackin advantige from aduts but we need to give our children a good futrue.. thank u for your respect every one
[10:31] Titania SMSTrekker is Offline
[10:33] Bondia SMSTrekker is Offline
[10:33] Platform-Four whispers: Platform-Four now descending.


