If your preteen child hasn’t hit you up yet for a cell phone, you are among a rare breed indeed. Studies have found that roughly 70 percent of 11 to 14 year olds now use cell phones. Closer to home, our 10-year-old has been hounding my wife and me for months to get his own phone.
My initial reaction was, “No way.” But upon investigation, I see why many parents eventually give in. Here are a few pros and cons for giving your preteen a phone and some safeguards you can take.

Safety. Anyone who’s ever had a flat tire or gotten lost can attest to cell phones’ safety advantages. On the flip side, unless you install parental controls, your child could access inappropriate content or be more vulnerable to bullying and predatory behavior.

Expense. Cell phone use (including calls, text messaging, web browsing, and application downloads) can be wildly expensive. You have two payment options:
• Prepaid plan: buy minutes and pay as you go. Plans vary widely in terms of fees and per-minute calling and text rates. Advantages: no locked-in service contract; you know exactly how many minutes your child is using. Disadvantages: parental controls usually don’t apply; phones are more expensive than under a service contract plan.
• Family plan: sometimes it’s cheaper to add a phone to your existing plan. Some plans allow unlimited calls and texts between friends and family or those using the same carrier. Advantages: generally cheaper if your kids make lots of calls/texts; most allow parental controls. Disadvantages: parental controls may cost extra; some plans don’t allow usage caps, so undisciplined kids may rack up large bills; phone is tied to a service contract.

Parental controls. One of the best ways to protect your kids is to subscribe to your carrier’s parental controls plan. Plan features vary widely, but look for these when comparison shopping:
• Cost (free to $4.99 a month)
• Ability to cap phone minutes and text messages
• Allows emergency calls, even if over monthly usage allowance
• Allows capping or blocking entertainment downloads (costly/inappropriate ringtones, music, video, etc.)
• Ability to block mature-content websites from Internet-enabled phones
• Time-of-day use restrictions (e.g., block during school hours or after bedtime)
• Can block calls/texts from specific or unknown numbers (helps prevent stalking, bullying and inappropriate contact)
• Tracks your child’s physical location (requires GPS-enabled phone and typically costs $5 to $10 a month)
Parental control programs generally are not available with prepaid plans. And since no filtering tool is completely foolproof, it’s important to regularly discuss safety issues with your kids. Make sure they are comfortable coming to you with any questions or details of inappropriate contact they have received.

Not every child is ready for cell phone responsibilities. Set ground rules and be prepared to withhold privileges if they cross boundaries such as not abiding by school regulations, exceeding curfews or usage limits, using a phone to bully others, repeatedly losing or damaging the phone, etc. And make sure they kick in part of their allowance to help pay.

With my son, it’s not a question of “if” but instead of “when.” And when the time is right, he’ll bear the costs of the handset and adding a line to our family plan. This, of course, will allow him to hound me remotely for the latest must-have item.

Jason Alderman directs Visa’s financial education programs. To follow Jason Alderman on Twitter: www.twitter.com/PracticalMoney.