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Teenagers can fairly easily have credit cards in the US and Canada. I had my first credit card at 15. They can also have debit cards from childhood.



It’s not very common though.


In my experience it is nowadays. I'm Gen Z, by 14 all my friends had credit or debit cards.


Don't forget prepaid Visa/MasterCard too. (Maybe grandma still sends a $20 every birthday.)




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