Likewise giving a card at this age also caries a certain stigma. I guess it depends on the league. Re-start would be a drop ball if the ball was in play when you stopped the game. Pretty dramatic, but without the card. If there were another occurence, then its time for cards.
Cards are a last resort.
Cards are reserved for real hard cases. Your offender just sounds as if she didn't know any better. Fouls are acepted as part of the game. Draw a card, and shame on you. A card indicates that you are a bad egg.