It's a drag when you can't buy online because you don't have a credit card. Well we've solved the problem with your very own 'online bank' account. Instead of a present for Christmas or your birthday, why not ask for credit? All it takes is an adult with a credit card to register credit for you.

This page is for under 18s to send an email explaining how it works to an adult family member. For adults wishing to find out about adding credit, click here for the Guide to Giving.