Having a credit card can be a good thing if you know how to use it. But keeping your credit card use in check is about more than controlling potential debt, it is about creating and maintaining good spending habits. A debit card can be a good idea on this front since it works on a debit rather than a credit system.
However, a credit card does have its benefits. A good medium between the two is a prepaid credit card. This is a credit card that you essentially load money onto, as you would with a prepaid mobile phone. This means that you are not working with credit but with a prepaid amount.
There are excellent prepaid credit card deals available for consideration. Think for instance how this might be a good way of teaching a child to use their money. You sit with them and go through the various deals that are available.
Passing over the deals with the unnecessary bells and whistles that you inevitably have to pay for and moving right over to the simpler offers. In this way your child will be involved in the decision.
From here you agree on a monthly amount that will be loaded onto the prepaid credit card. It is then up to the child to use those funds wisely.