How old do you have to be to get a credit card?

[amol]

Either:

- Have a credit card that is an extension of your parent's account

or

- Have your own credit card

I would think that it is probably 13 for the former and 18 for the latter . . . but are there any exceptions?

 

[Analog]

uhh, why are you asking?

 

[Colt45]

18

 

[dethman]

are you 13?

 

[TitanDiddly]

I've got a debit card with my checking account, it works as VISA.

Do that, it's nice. Takes the money right from checking.

 

[amol]

Originally posted by: dethman
are you 13?

no im older, but i've seen middle schoolers with credit cards, thats why im asking

 

[nageov3t]

I don't see why the first one would have an age prerequisite at all.

 

[amol]

Originally posted by: PhasmatisNox
I've got a debit card with my checking account, it works as VISA.

Do that, it's nice. Takes the money right from checking.

yeah i have that exact same thing . . . but does it go well for online shopping?

 

[TheLonelyPhoenix]

Originally posted by: Amol

Originally posted by: PhasmatisNox
I've got a debit card with my checking account, it works as VISA.

Do that, it's nice. Takes the money right from checking.

yeah i have that exact same thing . . . but does it go well for online shopping?

You typically don't want to use a debit card too heavily for online shopping, although it works just like a credit card. If someone steals a credit card number, they'll be stealing money from a huge corporation. If someone steals a debit card number, they're stealing money straight from your account. Many debit cards do have fraud protection, but you might be sitting around penniless for a long time while your bank goes through the red tape of verifying fraud and getting you your money back.

 

[PrinceofWands]

You don't even have to be human to get a credit card...hell you don't even have to be alive. There are plenty of stories about dogs and cats getting credit cards. And while I was in the navy we received a credit card offer for the command...not like a corporate or government card, but a pesonal credit card for someone named COMNAVSURFLANT. Funniest thing I'd ever seen at the time.

 

[RossMAN]

21

 

[amol]

Originally posted by: TheLonelyPhoenix

Originally posted by: Amol

Originally posted by: PhasmatisNox
I've got a debit card with my checking account, it works as VISA.

Do that, it's nice. Takes the money right from checking.

yeah i have that exact same thing . . . but does it go well for online shopping?

You typically don't want to use a debit card too heavily for online shopping, although it works just like a credit card. If someone steals a credit card number, they'll be stealing money from a huge corporation. If someone steals a debit card number, they're stealing money straight from your account. Many debit cards do have fraud protection, but you might be sitting around penniless for a long time while your bank goes through the red tape of verifying fraud and getting you your money back.

well, i do have some money stashed away in another account in another bank, so i wouldn't be very penniless . . .

if a hacker got my debit card number, would he/she (hey, its a modern world) be able to get into my savings account?

 

[Kishan]

Originally posted by: Amol

Originally posted by: TheLonelyPhoenix

Originally posted by: Amol

Originally posted by: PhasmatisNox
I've got a debit card with my checking account, it works as VISA.

Do that, it's nice. Takes the money right from checking.

yeah i have that exact same thing . . . but does it go well for online shopping?

You typically don't want to use a debit card too heavily for online shopping, although it works just like a credit card. If someone steals a credit card number, they'll be stealing money from a huge corporation. If someone steals a debit card number, they're stealing money straight from your account. Many debit cards do have fraud protection, but you might be sitting around penniless for a long time while your bank goes through the red tape of verifying fraud and getting you your money back.

well, i do have some money stashed away in another account in another bank, so i wouldn't be very penniless . . .

if a hacker got my debit card number, would he/she (hey, its a modern world) be able to get into my savings account?

setup a checking account at Washington Mutual, or any other place with no minimum deposit and free checking with Visa check card with however much you feel necessary, probably around $500, and use it.

 

[Kishan]

also, you've gone up 400 posts or so in the past week. thats a lot of neffing

 

[amol]

Originally posted by: KPSHAH316
also, you've gone up 400 posts or so in the past week. thats a lot of neffing

this is my 2747th post . . .

i got my 1000th on new years day

almost 1800 posts in ONE MONTH!

 

[amol]

Originally posted by: KPSHAH316

Originally posted by: Amol

Originally posted by: TheLonelyPhoenix

Originally posted by: Amol

Originally posted by: PhasmatisNox
I've got a debit card with my checking account, it works as VISA.

Do that, it's nice. Takes the money right from checking.

yeah i have that exact same thing . . . but does it go well for online shopping?

You typically don't want to use a debit card too heavily for online shopping, although it works just like a credit card. If someone steals a credit card number, they'll be stealing money from a huge corporation. If someone steals a debit card number, they're stealing money straight from your account. Many debit cards do have fraud protection, but you might be sitting around penniless for a long time while your bank goes through the red tape of verifying fraud and getting you your money back.

well, i do have some money stashed away in another account in another bank, so i wouldn't be very penniless . . .

if a hacker got my debit card number, would he/she (hey, its a modern world) be able to get into my savings account?

setup a checking account at Washington Mutual, or any other place with no minimum deposit and free checking with Visa check card with however much you feel necessary, probably around $500, and use it.

i do, i have a wells fargo checking and savings account that i opened with about $700 . . .

i keep usually $50 in the checking account and the rest in savings . . .

then if i need to buy something, i just transfer the money on wellfargo.com

 

[HardcoreRobot]

Originally posted by: PhasmatisNox
I've got a debit card with my checking account, it works as VISA.

Do that, it's nice. Takes the money right from checking.

even though it is visa and you use it like a credit card, be aware it does NOT build credit.

also, fraud protection on it is very minimal. bascially, you are SOL if anything happens.

 

[CFster]

Credit cards = bad.

 

[AgaBoogaBoo]

Originally posted by: CFster
Credit cards = bad.

Credit cards can be bad

For me, I use it just the same way as I would if I was paying with cash

 

[amol]

Originally posted by: CFster
Credit cards = bad.

not really

my sister (21 years old) has a discover card . . . she only makes purchases that she KNOWS she can pay off at the end of the month . . .

great way to build credit

 

[AgaBoogaBoo]

Originally posted by: Amol

Originally posted by: CFster
Credit cards = bad.

not really

my sister (21 years old) has a discover card . . . she only makes purchases that she KNOWS she can pay off at the end of the month . . .

great way to build credit

Yup, I still buy the same things I would if I was paying in cash. With a credit card, I get many advantages. I don't have to carry around as much cash, if it gets stolen I'm protected, if I lose it money isn't lost, etc.

 

[EyeMWing]

Originally posted by: PrinceofWands
You don't even have to be human to get a credit card...hell you don't even have to be alive. There are plenty of stories about dogs and cats getting credit cards. And while I was in the navy we received a credit card offer for the command...not like a corporate or government card, but a pesonal credit card for someone named COMNAVSURFLANT. Funniest thing I'd ever seen at the time.

"Hello Mr. SURFLANT, I'm Jen from Discover. I'm calling to verify that an order recently placed on your credit card for two Aegis cruisers is not an attempt at fraud..."

 

[aidanjm]

you don't even have to be human to get a credit card. you could be a goat

 

[classy]

18

 

[chasem]

Originally posted by: TheLonelyPhoenix

Originally posted by: Amol

Originally posted by: PhasmatisNox
I've got a debit card with my checking account, it works as VISA.

Do that, it's nice. Takes the money right from checking.

yeah i have that exact same thing . . . but does it go well for online shopping?

You typically don't want to use a debit card too heavily for online shopping, although it works just like a credit card. If someone steals a credit card number, they'll be stealing money from a huge corporation. If someone steals a debit card number, they're stealing money straight from your account. Many debit cards do have fraud protection, but you might be sitting around penniless for a long time while your bank goes through the red tape of verifying fraud and getting you your money back.

NO IT WORKS FVCKING HORRIBLE FOR ONLINE SHOPPING. You can get a credit card as young as 16 in my case. I got a good one when i was 18. I'm having trouble with the whole fvcking debit card theory. Someone can steal every penny you have for at least 3+weeks (happened to me about 3 times) and you don't get it back for a while. Get yourself a good CC, and pay your bill on time, and you get all sorts of rewards, protection, benifits, for free!


another thing: I only have 5.9 APR, they awarded it to me for spending too much money. I had 27.9 apr with the visa linked to my wellsfargo. I dunno how to check credit, but i imagine i have at least a minimal good rating.