When a child makes top-ups or tips with a phone, a large payment by a child aged 8 or older can be claimed back if the parents do not ratify it
- Moderate value
- Evidence A
- Saves money
- For: Child aged 3–18
- Free
- Takes some hours
- Some willpower
In plain words
When a child aged 8 or older spends money, if the amount is clearly out of proportion to the child's age and understanding, and the parents neither agree nor accept the charge, the transaction is invalid and you can ask for a refund. A child under 8 cannot decide on spending money alone in the first place. If the parents keep silent, the law treats it as not accepting the charge.
Mentioned in
- Don't tip streamers, don't top up games, and don't place orders on impulse
- Teach your child one sentence: anyone who tells you to use a parent's phone or read out a verification code is a scammer
- Treat blind boxes, gacha pulls and other random sales as money that will not come back
- Check whether sleep, homework and getting outdoors are being squeezed out before you fix on how long a child plays
Translated from the Chinese original. Original book, section 5, tip 9. This section is about money and spending. It is general information, not financial or investment advice. Content may be out of date and rules differ by place. When you actually deal with an agency, a doctor or a court, follow what local officials, doctors and lawyers tell you. Disclaimer