Parents do have the option to get their kids ATM cards that are not mc/visa debit cards, and only work at ATM's. There is a difference, but most parents don't understand what, why, and who to ask for it. I've had an ATM card since I was 15, It wasn't until about 3-5 years later the changed the default system over to mc/visa logoed debit I think. Minor accounts can be restricted however, to only buy from certain merchant transaction codes which would keep them out of 18 and over purchases such as adult sites.
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