A TOOWOOMBA father is concerned about a letter his 19-year-old daughter received from her bank encouraging her to get in touch with her "sensible side" and get a credit card.

The letter was "personally addressed" to the teen Rebekah.

The letter to Rebekah from her bank encouraging the teenager to get a credit card.

"Over the years, I've been doing a pretty good job of managing your finances. But my austerity measures have often meant you've had to go without.

"So as your sensible side, I've hunted down this great offer that'll allow you to treat yourself a little," the letter reads.

"I've already given it a once-over and in short a new NAB credit card means you can enjoy some retail therapy - within limits of course.

Reader poll Is a teenager getting a credit card a "sensible" thing to do? This poll ended on 07 August 2014. Current Results Yes 7% No 92% This is not a scientific poll. The results reflect only the opinions of those who chose to participate.

"The sensible thing to do now is to stop your impulsive side from missing out."

The letter is signed "your sensible side".

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