On a more serious note though,I have a 9 year old daughter and have her bank at school weekly,Into a basic Savings account.We try to get her to save and learn to manage her savings sensibly.What annoys me greatly recently is that She in her name is recieving Credit card Application,and promotional material via mail.for Virgin Credit card,Where do they get the detail to mail this stuff to Her.she is definitly under age,not working of course,and this material is purely unsolicited and unwanted.This seems a sad path the banks and finacial institutions are following.Not on!!!