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  • You can not have a chequebook, overdraft or credit card until you are 18, I think because all of those are forms of credit and you can not enforce debts against someone under 18.I remeber being really surprised when I read teen books set in the USA and they often had kids using a parent's credit card - I could not work out how that would work, as over here, you had to sign the slip to use a credit card
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