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How did the theoretical child get hold of a credit card?
Because no 16 year old kid ever got to buy anything on a card before.
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Try here for example: https://danskebank.co.uk/personal/products/current-accounts/...
Did you read your own link? A parent has to apply for this.

Parent/Legal Guardian Identity Verification To confirm your identity, we’ll ask you to take:

    A live selfie of yourself, and
    A photo of your own ID document (Valid Passport or valid UK/ROI Drivers Licence)
They may well have the account with a debit card for other reasons, like buying food, travel etc.
I’ve seen minors signing up for cloud services with their parents card.
Why wouldn't debit card work as well? You can get those while underage.
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