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Lloyds-TSB has been criticised for sending debit cards to children as young as 11 so they can buy goods online without parents knowing.
used his card to buy cheap cigarettes, Viagra and a fake adult ID online.
In the past, children aged 11 to 15 who hold current accounts were restricted to cards which could be used only in cash machines or at bank branches.
But the new cards are Visa-enabled, meaning they can be used anywhere that displays a Visa sign.
The bank posts the cards to youngsters without requiring the parents' consent.
Lloyds-TSB insists it is up to parents to keep a check on how children use the cards and says there are safeguards to ensure they cannot be used on adult websites.
The bank also claimed it was simply falling into line with its rivals.
It said: "In line with industry practice, we have started to offer customers under 16 the option to have a debit card. Importantly, we do incorporate restrictions which are unique to Lloyds TSB.
"The debit card does not allow customers' to go overdrawn and prevents purchases on websites with adult content or gambling sites.
"When we wrote to these customers we involved parents; including parental guides in initial correspondence and when the card arrives.
"The parent or guardian could request the card wasn't issued or at any time block it immediately if it is mis-used."
But LibDem Treasury spokesman Vince Cable accused the bank of trying to "seduce" customers at an early age. He said it was "clearly motivated by short-term greed".
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