Debit, credit, and the cost of “later.”

Start with what is already there

Debit is the easy story: “These are the points you have. Spending them means they are gone.” That makes a debit card a good first tool for practising decisions. A child sees their available balance, chooses an item, and notices what remains.

Make credit feel like a promise

Credit is not “extra money.” It is a promise from your future self. In Growise, a parent can offer a small practice limit. A child can use it, see a statement date approaching, and learn that paying it back later may cost more because of interest.

Let the number tell the story

Avoid turning it into a scolding. If 800 GP borrowed becomes 900 GP after missed repayment, ask: “What changed between the price at the shop and the amount to repay?” That gap is where the lesson lives.

Give them a way back

A child should always be able to repair the situation: earn points, make a payment, wait for the next cycle, and see the balance improve. Credit is most useful as a lesson when it teaches responsibility without shame.