My daughter purchased something and then the charges started coming on the credit card - if you do not pay attention they charge each month and then the credit builds up - than you have to spend the money before you close the account or you loose all the money. I just closed the account and took the $39.99 hit just to be done with it. They try very hard to talk you out of closing the account. Just be aware of what you are signing up for - and keep a tab on your kids using your credit card.