1. The effectiveness of credit method in educating children needs to comprehensively consider children's age, understanding ability and cognitive level, as well as educational purposes. Credit can help children learn the basic concepts of borrowing and repayment, but care should be taken to avoid making children form the concept of relying on debt.

2. Using credit to educate children needs to consider whether it conforms to the educational values of the family. Credit may convey the wrong idea that consumption can be filled with debt. If families advocate the values of rational consumption and savings, credit may be the opposite.

3. Too frequent or beyond the affordability of credit may lead to family economic pressure, and even the accumulation of debt interest. This may cause risks and uncertainties to the financial situation of the whole family and the future development of children.

4. In addition to credit, parents can consider other effective education methods, such as children's financial education products, family economic manuals, incentive mechanisms, etc. These methods can help children learn financial knowledge and cultivate healthy financial habits.

5. Communication and consultation between family members is an important link in educating children. Through communication, parents can clarify the family's economic situation, budget and consumption habits, make financial planning, and let their children know the purpose, restrictions and responsibilities of money.

6. To sum up, although credit can teach children some basic concepts of borrowing and repayment, there are also potential risks and uncertainties. Parents should choose a more comprehensive and effective way to cultivate their children's financial awareness and ability. Through family communication and other educational methods, children can be better helped to become rational consumers and be financially independent.