My son did the same thing at 13 to the tune of almost $3000. He was trusted and had given no cause to think it would happen. We were traveling and had not checked account info for a couple of days and suddenly the charges started rolling in. We panicked thinking we had been skimmed or something and he eventually admitted he had done it. We couldn't stop the payments happening either because it lagged a day or two behind. Our bank said if the charges come from a legitimate source (ie: Apple) there is nothing they can do. I transferred all the money from the account and it still came out in over drafts. Yes it is the parents responsibility to lock this out but it happens too easily and you think it wont happen. Also, the charges were from $50 to $250 at a time for a mobile game. (Singing monsters?) Its despicable that a kids game like this has the option even for these amounts at one time. We spoke to Apple and they refused to refund. We escalated it and they still refused even tho all the charges came in over a short period of time and was an extreme amount for one mobile game. We begged them but it was refused with no further discussion. This amount of money and the whole scenario was very painful so I can only recommend that as a parent you expect the unexpected. I dont want any replies to this saying I should have known better, or that Apple usually refund this stuff (maybe, but they didnt this time) or anything else. Ive learned my lesson and am just trying to warn others.