Sarah I don't think that's a very good idea. You're still young and a credit card comes with a lot of responsibility.
What do you mean responsibility? It's just a card so I can have money to spend.
It's more than just that. As soon as you get your first credit card you're going to start building your credit score which will be with you forever. This will impact your ability to take out loans in the future.
Ok. So what's the big deal?
Well first off, since you're not 18 yet that means that I would have to co-sign for you. That makes me responsible for your credit too and it can hurt me if you don't take care of it. A bad credit score would hurt my life.
You're going to have to pay off the credit card each month and you don't work so how are you going to do that? It's not free money Sarah.
Well I'll just wait until I can't pay it off any more and then I'll figure something out.
That's a horrible idea. Late payments will hurt your credit immensely. Obviously you don't understand the responsibility that comes with a credit card.
But you and dad have them!
Your father and I have credit cards because we work jobs and are able to pay off the credit card bills in full each month. Our credit scores are good because we've been working to keep them high and stay responsible with our credit payments. Maybe we can talk about making you an authorized user on our credit card to teach you how to use it so you don't get yourself in trouble with your credit score.