<prompt> Human: Our current situation, that I have become increasingly uncomfortable with, is we have 3 debitbankcards on our account, my husband has one, and I have 2, but they are identical I signed my name in Sharpie over the 3 digit CVC code, so I asked bank for a replacement card and for ease of dispersing money every time she needs gas or wants to go out with friends, I have permitted my daughter to use the unsigned debit card, with instructions to sign her name, so I know she used it. She also has my PIN, which as I type this, is probably pretty risky, but I do trust her, to a point. For the most part this system has worked, however, as most teens probably are, she thinks there is an endless supply of money and even after discussing that she needs to ask permission before just using the card on a whim, I feel she has been disrespectful to our requests. She is 15 years old and not permitted to get a debit card on our account with her own name and as far as I know, not allowed to get any type of bank issued debit card even if she had her own checking account. I am looking for advice on how to possibly give her an allowance, while allowing the convenience of a card. Are reloadable charge cards a viable option? I have no idea how those work and if it would even solve my issue.Please advise on possible solutions without negative comments on my gullible parenting. Thanks!  <response>: You should talk to the bank. I was sixteen and had a checking account and a savings account. It was tied to my moms account because she did have to sign for me to get it but I had overdraft protection meaning, I couldnt overdraft unless I wrote a check which would just end up bouncing later and I never carried checks with me to keep that from happening. It would just decline my debit card. The card also had my name on it, not my mothers. We went through a local credit union. If you continue with the system you have in place you need to be better about consequences when disrespecting your requests. And honestly, its not about the respect. Its about whether she actually did what you requested or not. If she does not ask permission to use the card and uses it anyways because she assumes youll approve the transaction she needs a consequence to discourage her from doing it again. Even if its a made up overdraft fee of 25. Well honey, you didnt check with me first so I have to keep 25 of what you were supposed to get this week from your allowance. This is similar to how an overdraft fee works if you spend past the amount you have in your account. Or simply take the card away from her for a period of time. No gas money, then she gets to stay home or take the bus to school, etc. etc. 