And she’ll have funds, funds, funds till her daddy takes the Visa away.

Six million US parents say they have a child under 18 with a credit card, according to a recent report.

Moreover, some 21 percent of the 1,524 parents surveyed by CreditCards.com said their kids have used their plastic without permission, including 13 percent who said it happened multiple times.

“I think we’re getting more comfortable with credit cards and technology in general,” CreditCard.com’s Ted Rossman said, acknowledging the possible pitfalls.

“I like the idea of adding a kid to a credit card as a means of establishing credit, maybe when your kid’s like 14 or 15 years old, but this only makes sense if you’re teaching your kids to be responsible about money.”

Teen usage varies by region and class. Thirteen percent of parents living in the Northeast report that at least one of their underage offspring has a credit card, compared with 8 percent for the rest of the country.

Thirteen percent of parents who make more than $80,000 annually report having a credit-card-carrying child, compared with 5 percent in the under-$40,000 category.

Of course, it is still much more common for at least one child to have his or her own cellphone, as 54 percent do. But credit card usage by teens is apparently on the rise, with T. Rowe Price reporting that 18 percent of children from 8 to 14 were carrying credit cards as guests on their parents’ accounts as of 2017, up from 4 percent in 2012.

According to Rossman, at least some of this credit card usage by the very young is being driven by the urge to buy apps and participate in other online activities.

Cindy Goodman, a Fort Lauderdale, Fla., mom and journalist who co-founded the blog Raising Teens with her friend Raquel Alderman, says she added her two boys and a girl to the Visa card account she holds with her husband, an accountant, as soon as they each got drivers licenses at age 16.