A huge number of posts about secured credit cards
If you instead pay off your balances each month, save for big purchases and regularly evaluate your financial goals, your children will model those behaviors. In the interest of teaching your children responsible habits, do not shelter them from financial discussions in your household. For instance, allow them to observe you discuss an upcoming plan to purchase a new house and any budget talks that accompany that decision. Let them participate in ways to help save or cut costs when your family needs to do so. With age appropriate explanations, help them understand how much things cost and where the money to pay for them comes from.