<p>So how many of you guys have credit cards? I want one so I can buy stuff online. I already have about 1k in a debit account in canada where my dad lives, so I could pay the bills and stuff.</p>
<p>The only one I know of is VisaBuxx, but that's sort of like a debit card (your parents put money in the account) but you can still make online purchases.</p>
<p>I don't know about Cananda, but here in the US, I have an American Express and a Citi AAdvantage card. I usually use the AMEX, unless the place doesn't accept them; otherwise, I rack up AA miles on the Citi card. </p>
<p>The only problem with the AMEX is that it requires a co-signer, I believe.</p>
<p>I have a debit card (my parents got me one because I had about $300 saved up in birthday money, and my parents never take me shopping, so I wanted to buy stuff online). It's in my dad's name and links to his account, but online that usually isn't a problem.</p>
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I don't know about Cananda, but here in the US, I have an American Express and a Citi AAdvantage card. I usually use the AMEX, unless the place doesn't accept them; otherwise, I rack up AA miles on the Citi card. </p>
<p>The only problem with the AMEX is that it requires a co-signer, I believe.
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<p>Are you under 18? Could you give me a link to the type of card you have?</p>
<p>I live in the US, but I have a Canadian debit card because I have a bank account up there and I don't have one here.</p>
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I have a debit card (my parents got me one because I had about $300 saved up in birthday money, and my parents never take me shopping, so I wanted to buy stuff online). It's in my dad's name and links to his account, but online that usually isn't a problem.
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<p>Really? What company is it? Mine is Bank of Nova Scotia, (even though by dad lives in Ontario lol) but I can't use it online because most only take credit cards. (I'm mostly looking to buy clothes online because my parents don't take me shopping, either.)</p>
<p>^^AmTrust Bank...I'm rather surprised that you say most places don't take debit cards. Unless mine's actually a credit card and I don't know it. It's a Visa.</p>
<p>I have a VisaBuxx -- preloaded but works just like a visa credit card.
Never had a problem with it.
PM me for more information.</p>
<p>Sorry! didn't read all of the above post.</p>
<p>I have USAA, and have had it since I was 10ish, but I think you need to inheirit it. I think it's the only bank that allows kids to have checking (my 11 yr old brother has his own checkbook and everything!). I used to have one that was connected to my parents' account - l think amex? - but then they canceled that. i think you can do that and then your parents put a monthly limit on it.</p>
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^^AmTrust Bank...I'm rather surprised that you say most places don't take debit cards. Unless mine's actually a credit card and I don't know it. It's a Visa.
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<p>The only store that I usually buy clothes from that I know takes debit cards is J. Crew. Nordstrom, Polo RL, and Abercrombie don't take debit, unless you can put your debit card info under where it says credit card.</p>
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[quote]
I have USAA, and have had it since I was 10ish, but I think you need to inheirit it. I think it's the only bank that allows kids to have checking (my 11 yr old brother has his own checkbook and everything!). I used to have one that was connected to my parents' account - l think amex? - but then they canceled that. i think you can do that and then your parents put a monthly limit on it.
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<p>Isn't USAA only for military families?</p>
<p>"USAA proudly serves millions of military members and their families with competitive rates on insurance, banking and investment services."</p>
<p>i thought abercrombie accepted debit.
also, if you get a credit card make sure you pay the bill in full every month on time. you dont want to rack up any debt and/or have a bad credit score in the future.</p>
<p>VisaBuxx doesn't affect your credit score because it's pretty much a prepaid credit card. Your parents take money from their savings/debit account and put it in the VisaBuxx account. I think I'm leaning towards that right now.</p>
<p>Jonathan1, I'm 18. Were you asking about the AMEX or the Citi?</p>
<p>And I'm pretty sure Abercrombie accepts debit.</p>
<p>I have a debit card...and I've never been to a store that didn't accept it (assuming they accepted credit cards)</p>
<p>I have both a credit and debit card. Debit cards are usually visa and so many places accept them, if it's an ATM card then most likely they won't. It's hard to get a credit card if you are under 18 and have no job, I had one at 16 though because I worked and my mom trusted me not to screw our credit up.</p>
<p>I have a debit card but the account is in Canada. I'm not sure if I would want to move the money down here, though.</p>
<p>hahh.. mine was negative 1000 $ a couple days ago. </p>
<p>oyy, shopping. my parents thought that getting one would teach me to be responsible. oops.</p>
<p>My parents got me a debit card because my grandpa wanted to start putting $200 a month into an account for spending money during college, but I've never used it. :p</p>
<p>My money is currently accruing a healthy interest in a CD, and I have no intentions of opening a credit account because I never want to buy anything.</p>
<p>OhmyGodIamsuchnerd</p>
<p>just got a credit card and debit card this week. i turned 18 a few weeks ago. i feel like im getting old.</p>
<p>Any debit card can be used like a credit card if it has a visa or mastercard logo on it. Only the money's taken out of your account on the spot.</p>
<p>My teeny little CD's making 5.1% APY for 1 year. Of course I only accrued like $.50 up until now but anyway it's really cool because it's FDIC insured AND it's making higher than my mom or my friends' CDs.....AND they let you add money to it. I think I'm going to add a little bit more....up to the point where the interest accrued is $9.99 since I don't feel like filing a 1099 which you're obligated to if your interest income is more than $10.</p>