Hello Kitty debit card belongs in kitty litter

If I had a little girl, I know for sure I wouldn’t get her a Hello Kitty debit MasterCard.

Don’t go rolling those eyes thinking you’re in for a lecture on the evils of plastic. I carry plastic – not much, but some. My cards aren’t always completely paid off each month, but I never just make a minimum payment.

There it is, not great, not horrible. I know when not to pull out plastic. But there are months when the fates, or the car repairs, require it. Then, too, there have been times when I simply had to have those black shoes, although I own several pairs. I’m not proud of that.

Michelle Singletary, a Washington Post nationally-syndicated personal finance columnist who appears in The Herald, reported in 2003 that the average American credit card holder owes about $8,000 in charges. That much would make me nervous as a cat.

Hello Kitty cards for kids? Isn’t it distasteful to use a design appealing to little girls to turn kids into miniature adults? Do our daughters – do we, for that matter – need any more encouragement to become shopaholics?

On the Web site www. hellokittycard.com, Legend Credit Inc. touts its card as “Freedom!” and invokes the ever-present consumer command “shop till you drop.”

Peter Klamka, president of Legend Credit, said Monday that his product teaches money management better than an old-fashioned allowance.

“It absolutely teaches budgeting,” said Klamka, whose company is based in Ann Arbor, Mich. “The first time one of our card holders gets rejected in front of friends, they’ll never try to go over their balance again.

“And there’s much more control for parents than when kids go to the mall with $50 or $100,” he said.

Klamka said the prepaid cards with the popular Sanrio Inc. character, issued by Bankfirst, only can be obtained by someone older than 18. The card can be valued from $10 to $2,000. The purchaser can reload the Hello Kitty card, and it’s used like a credit card, with the customer signing the receipt.

There’s a $14.95 annual fee; $1.50 is charged when the card is used at an ATM for cash.

Klamka said demand “is exceeding our most optimistic predictions.” He didn’t know how many of the new cards had been ordered.

So far, “it’s not for 10-year-olds,” he said. Users are generally teen girls, “but there are a lot of Hello Kitty fans 17 to 50. People think the cards look cool, there’s a fashion element to it.”

Last year, his company aimed at the teen market with a Hillary Duff gift card issued by Visa for up to $200. “They could use it anywhere from the mall to the movies. We heard a chorus from parents who wanted to reload the cards,” said Klamka, adding that the Hello Kitty card fills that need.

“There’s also an entire generation that grew up online but can’t buy anything online,” he said.

Klamka has heard criticisms over fees and the notion of little kids as big spenders. “Then don’t get it. There’s no government mandate that all children must carry the Hello Kitty card,” he said.

He’s more concerned about coming up with a concept that appeals to boys. He believes demand is there, but he hasn’t found an icon to capture it.

Boys. Did he have to remind me? My 17-year-old just got his first credit card pitch in the mail. The ad for a Vision Visa card reads, “Start your student’s financial future off right” and promises, “It’s easy to apply.”

Too easy.

Singletary wrote in an October column, “There is no need for college students to rush into using credit.”

I don’t go quite that far. Sometimes there is a need. My 21-year-old daughter has one credit card with a $500 limit. It’s been used mostly for textbooks and travel expenses. She’s better than I am at finding bargain airfares online. So far, I’ve seen no evidence of shopaholic sprees.

With this week’s grand opening of new upscale stores at Alderwood mall, with the holiday shopping season upon us, and with Hello Kitty coaxing kids to spend, it’s tempting to reach for plastic.

Whoa, hold on. Those cards ought to come embossed with warning labels: “Use of this product may be hazardous to your budget.” Or simply a question: “Can you afford it?”

Columnist Julie Muhlstein: 425-339-3460 or muhlsteinjulie@heraldnet.com.

Talk to us

> Give us your news tips.

> Send us a letter to the editor.

> More Herald contact information.

More in Local News

LifeWise local co-directors Darcie Hammer and Sarah Sweeny talk about what a typical classroom routine looks like on Monday, April 14, 2025 in Everett, Washington. (Olivia Vanni / The Herald)
Everett off-campus Bible program draws mixed reaction from parents

The weekly optional program, LifeWise Academy, takes children out of public school during the day for religious lessons.

Protesters line Broadway in Everett for Main Street USA rally

Thousands turn out to protest President Trump on Saturday in Everett, joining hundreds of other towns and cities.

An EcoRemedy employee checks a control panel of their equipment at the Edmonds Wastewater Treatment Plant on Thursday, April 17, 2025 in Edmonds, Washington. (Olivia Vanni / The Herald)
Edmonds launches technology to destroy PFAS

Edmonds is the first city in the country to implement… Continue reading

Over a dozen parents and some Snohomish School District students gather outside of the district office to protest and discuss safety concerns after an incident with a student at Machias Elementary School on Friday, April 18, 2025 in Snohomish, Washington. (Olivia Vanni / The Herald)
Parents protest handling of alleged weapon incident at Machias Elementary

Families say district failed to communicate clearly; some have kept kids home for weeks.

Irene Pfister, left, holds a sign reading “Justice for Jonathan” next to another protester with a sign that says “Major Crimes Needs to Investigate,” during a call to action Saturday, April 12, 2025, in Arlington. (Aspen Anderson / The Herald)
Arlington community rallies, a family waits for news on missing man

Family and neighbors say more can be done in the search for Jonathan Hoang. The sheriff’s office says all leads are being pursued.

Mary Ann Karber, 101, spins the wheel during Wheel of Forunte at Washington Oakes on Tuesday, April 1, 2025 in Everett, Washington. (Olivia Vanni / The Herald)
Lunch and Wheel of Fortune with some Everett swinging seniors

She’s 101 and he’s 76. At Washington Oakes, fun and friendship are on the menu.

Henry M. Jackson High School’s FIRST Robotics Competition championship robotics Team 2910 Jack in the Bot on Thursday, April 24, 2025 in Mill Creek, Washington. (Olivia Vanni / The Herald)
Mill Creek robotics team celebrates world championship win

The team — known as “Jack in the Bot” — came in first place above about 600 others at a Texas world championship event last week.

The Washington state Capitol on April 18, 2025. (Photo by Jacquelyn Jimenez Romero/Washington State Standard)
Parental rights overhaul gains final approval in WA Legislature

The bill was among the most controversial of this year’s session.

Snohomish firefighters appeal vaccine suspensions to Ninth Circuit

Despite lower court’s decision, eight men maintain their department did not properly accommodate their religious beliefs during COVID.

A rental sign seen in Everett. Saturday, May 23, 2020 (Sue Misao / Herald file)
Compromise reached on Washington bill to cap rent increases

Under a version released Thursday, rent hikes would be limited to 7% plus inflation, or 10%, whichever is lower.

A Mitsubishi Electric heat pump is installed on the wall of a home on Sep. 7, 2023, near Langley, Washington. (Ryan Berry / The Herald)
Kicking Gas urges households to get in line for subsidies while funds last

The climate justice group has enough funding to aid 80 households with making the transition to heat pumps and electric ranges

Everett Fire Department’s color guard Jozef Mendoza, left, and Grady Persons, right, parade the colors at the end of the ceremony on Worker’s Memorial Day on Wednesday, April 23, 2025 in Everett, Washington. (Olivia Vanni / The Herald)
Snohomish County officials honor Worker’s Memorial Day

Work-related injuries kill thousands of people nationwide every year.

Support local journalism

If you value local news, make a gift now to support the trusted journalism you get in The Daily Herald. Donations processed in this system are not tax deductible.