When using a credit card at a restaurant, take the opportunity to teach children about how credit cards work. Explain to children how to verify the charges, how to calculate the tip, and how to guard against credit card fraud. Be cautious about making credit cards available to young people, even when they are entering college. Credit cards have a message: ”spend!” Some students report using the cards for cash advances and also to meet everyday needs instead of for emergencies (as originally planned). Many of those same students find themselves having to cut back on classes to fit in part-time jobs just to pay for their credit card purchases.