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Access to credit cards
There is a federal law in the USA that restricts the access to credit cards by people under 21, unless they have the ability to repay debt or have [repetição] someone who agrees [concordância com "someone"] to accept joint liability for the account. I disagree with this law because I believe many teenagers are able to manage their finances. If the problem is that they are not able to repay debt [ou "their debts"], I think the law ["the act", se você quiser ser mais específico quanto ao ato normativo em questão] should be applied to everyone, regardless of age.