I Had my daughter put on 1 of my credit cards at 15 almost 16 and gave her a cell phone. She was out a lot with her friends and I didn't want her to ever be stuck anywhere.  At 16 she got a part time job and was driving. I also got her AAA   You have to trust your child to be able to do these things for them.

She is now 21 and has better credit then me and owns her own condo, which she bought for cash.  Glad I only had 1 kid  :)