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Posts: 84
Registered: ‎05-05-2017

On the "flip side", 1st credit use experiance

[ Edited ]

About two weeks ago I had my 15yr old son put on as a AU for my AMEX, When it arrived a couple days ago he and I had a frank discussion about credit and the responsibilities that came from using it..


Fast forward to today (mother's day)


Son asked if he could take me out to lunch and of course I said Yes...


After a great meal and wonderful conversation the waiter approached us with our bill. Son in a abnormally deep voice said "I got this sir..It's my treat" and he whipped out his brand spanking new AMEX and handed it to the waiter with all the confidence in the world. His chest was puffed out and he gave me a smile and said "It's my turn to pay for us" I wanted to baby boy (all though taller then I) was growing up.


The waiter came back with the little black folder and handed it to son, Son looked at me with total panic and said in a low voice "Mommy..what do I do?"





Established Contributor
Posts: 1,039
Registered: ‎04-15-2015

Re: On the "flip side", 1st credit use experiance

That's too cute. I read your story to my boyfriend and we both had a chuckle. I imagine the same thing happening with our son someday (he is 7).

Fico scores as of 7/14/16 are EQ: 797 TU: 791 EX: 804
Posts: 84
Registered: ‎05-05-2017

Re: On the "flip side", 1st credit use experiance

He hasn't called me Mommy for abut two


I remember how "grown up" I felt the first time I ever used my CC (I was alot older then 15 and I feel so honored that I got to experience that with my son and lets never forget..I'm going to get years of mileage on this


I just want him to have some decent amount credit knowledge before he gos to college and joins the world on his own.


He went to the ATM and pulled out the cost of our lunch out of his savings account (lawn mowing $$) and gave it to me to pay the bill when it comes in (his debit has no visa/mc symbol) and told me "don't forget's important to keep a zero balance..again cracked me up

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