This is a schematic process flow diagram of the processes used in a typical oil refinery. This process flow diagram (PFD) example was redesigned from the Wikimedia Commons file: RefineryFlow.png. This file is licensed under the Creative Commons Attribution-Share Alike 3.0 Unported license.
You have to be at least 18 to get a credit card but to get a debit card( which is where you get money from your account) you have to be at least 11/12. My husband had his first at 16 or younger. He lied about his age (which is illegal!).
If you believe someone has attempted to create a credit history based on your child contact the bureau's ASAP. Anyone younger than 18 can not be legally held responsible for a debt. I would not worry about it before 18. Once you turn 18 I would go get three bank credit cards and go from there.