If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


Teaching Kids To Use Credit & Debit Responsibly

Bringing a child into the world comes with a ton of responsibility. Providing for them and keeping them away from trouble are obvious. Additionally, you also have the responsibility of teaching your kids about personal finance and how to manage money. Part of this is teaching them how to use credit & debit responsibly. Preparing your children to handle it early is important. As a nonprofit credit counseling agency, ACCC has tips to share with you!

Financial literacy for kids is crucial for their development.

Financial literacy for kids is crucial for their development.

Teaching Your Kids To Use Credit & Debit Responsibly

The school system often lacks an emphasis on financial education and personal financial management. However, you are a living breathing example of everything for your child. Therefore taking on the responsibility of teaching your kids to use credit & debit responsibly is all a part of the job! The sooner you get your kids involved in financial management practices the better they will be prepared in their adult life to handle consumer debts.

Teaching your kids to use credit & debit responsibly many require tactics and efforts. Kids may not immediately understand the difference between a credit card and a debit card. They look the same, but of course the concept of a debit card versus a credit card is very different. This is something that should be explained to kids before they are old enough to get their own credit or debit cards.

As far as other financial topics, we have plenty of information for you! There is some great material that ACCC offers to help educate your kids.

ACCC Youth & Money Financial Literacy Resources

Core Money Concepts For Kids – First, use these Core Concepts to see what and how you should teach them. For example, the important thing to teach the younger kids is that money is an asset. It is something you need to earn and not something that just pops out of an ATM. You can help them set up a bank account for saving, and make them work for their money. Give them a chore chart and an allowance for successfully completing their jobs.

Teaching the Value of the Dollar – Next is helping your kids understand the value of a dollar. The best way to do this is for them to earn their own money. They can learn money management skills through practice! Some parents choose to do this through allowance, while other parents choose to have their children earn money outside of the home. You can also do a combination of both.

Whatever they end up earning, consider helping them divide it into threes – one part for saving, one part for spending, and one part for a charity of their choice. This shows kids the valuable skill of saving and the importance of charity.

Focus on the basics. Budgeting, needs vs wants, saving, and financial planning are some of the basics that you should work on from a younger age. Use practical examples to teach the basics of credit and debt to build a solid foundation.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/teaching-your-kids-to-use-credit-debit-responsibly
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=teaching-your-kids-to-use-credit-debit-responsibly
Loaded Template: single.php