My 12-year-old accidentally committed credit card fraud. I realized she wasn't ready to have a phone.

Source: Business Insider

The author's daughter (not pictured) fell for a TikTok scam and used someone else's credit card to make a purchase. SeventyFour/Getty ImagesMy husband and I debated whether to give our 12-year-old daughter a cellphone. One day a package arrived under her name but we hadn't bought anything.

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