It's not necessarily that you're a bad risk, it could be that you have low profit potential because you'll probably pay it off in time, not roll it over, etc.
I had both a debit card (for ATM and POS) and a Visa that was a charge card only, ie. I had to repay in full every month, and if no money was present on the associated then the card debt was repayed going overdraft.
I have also a securities account with the bank, so they know i have some of their and other corportation bonds, so I suppose they know I could stay easily out of debt.
A day I lost the old credit card, so I asked for a new one. The old credit card was of course disabled so a new card was given to me because the older card offer was withdrawn. That new card is different because has a contactless chip and because was a charge card that could easily modified to be a revolving credit card.
When I was 7 years old, I was wandering through the woods, looking under rocks for creepy crawlies, playing hide-and-seek, and playing baseball with my brother and cousins. Not only did it *not* set me back in anyway, but it is some of my fondest memories of being a child.
Let kids be kids for goodness sake.
When I was 7 years oold the only computer I've seen were the ones on books or on sci-fi tv serials, that I watched on a black-and-white televison, with only two programmes that started at 5 pm. I wandered in the woods or went to the library to read. I remember that when I was a niner I visited a fair, there was a Commodore dealer. I stayed all the afternoon watching these machines and typing on the keyboards. Not that changed by child attitude. By the way I think that a Raspberry PI with mouse and keyboard could be a nice test to see if a kid is interested on programming.
"If I do not want others to quote me, I do not speak." -- Phil Wayne