I agree with parents that want their kid to have a credit card and they provide a debit card to keep them from overspending. The fees are very high on these cards. It does not make sense to me to have a debit card, if you are a responsible individual and pay you bills timely, you should use a credit card. Most credit cards have no fees or costs if you pay the balance in full upon receipt of yourstatement. Many cards offer rewards, like a 1% refund on all of your charges. Thinki about it.