first, it's not hard to ask for your parents credit caard, I dont understand how you take this as a sign of maturity
Second, you assume too much, you have no idea why he cheated (if he did)
maybe he was curious, maybe he was peer pressured, maybe he was in a bad mood, maybe he only cheated because he didn't want to lose to cheaters, and only toggled if he thought someone is cheating. Kids are kids, and kids should be allowed to make mistakes. You expect a 13 year old to be some kind of shinning beacon of morality, and frankly, your delusional. There's a really good reason why children aren't held accountable to the same degree as adults basically anywhere else. They are inexperienced, and impulsive, and often just assholes.
when I was like 13, I cheated because I had friends that cheated. Being a lonely tween I folllowed suit, and found it horrifically boring and shitty. I haven't ever gone back to it and i no longer talk to those friends. See, LEARNING from mistakes. It's something everyone does from time to time. Sometimes kids are assholes, but you give them some leeway because theyre kids.