I have an 11 and 15 year old. I don’t know how I set up their cards - but I sent my daughter to the casino to spend $50 with the family so that we would get $25 credit back…. Turns out that she has a limit of $50…and could not buy the last game to get the discount!!! And I was too tired to go to guest services to have it changed.. Sigh…
here is my recommendation. Give your kids charging privileges with rules. The app makes it SOO easy for everyone to see what they have spent and for you to monitor it if you feel the need to check on them. There will likely be times when you want to send them to get you something and this just makes it so much easier!
I found that as they got older, they had a better understanding of the rules and consequences in this regard compared to when they were younger and did not really understand the value of $$ and what was happening when they used the card. When they were younger I used to wait until the last day or two to add privileges for them (they have to have their own charging privileges in order to use their C&A perks!)