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A perfect card to carry anytime or anywhere in the world!

If your own financial situation doesn't allow you to qualify for a card on your own (based on your credit history, income, and expenses), you'll need to have an adult co-borrower who does qualify – most often a parent.

Verified by VISA allows you to protect your credit card online with a personal password.

Visa provides reassurance that only you can use your Visa card online.

With only three states (Utah, Missouri and Tennessee) requiring a high school class in financial responsibility, the burden of teaching how credit works falls on the parents, says Lechter.

If your teens won't listen or you don't know as much as you'd like about credit details, one fun option is to shift some of the responsibility to online or board games that teach about credit cards -- how they work, how you can get into trouble with them and how to use them responsibly.

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