I'm 17 and im going to be getting a laptop online for university. im getting it now so i can use it some for highschool and otehr reasons. in order to purchase it online, i need to have acredit card, so does anyone know of any credit in canada that i could even cosign with one of my parents that' give me a $1500-$1600 limit? i'm not a 'stupid teenager', i have money in the bank that i've been working for, even something prepaid...(not muchmusic mastercard - limit is $1100).
Oh and i dont want to get my parents to buy it cause its a hassle to pay them back, with like cash?? yea dangerous...
merci,
2007-11-26 02:56:22 · 5 answers · asked by Anonymous in Business & Finance ➔ Credit
no ones gonna give u that much. Mine was 1000 you have to prove credit before they increase the limit...after 2 years on a student visa, they upped my limit to 1500...good luck!
2007-11-26 03:00:55 · answer #1 · answered by Leah D 3 · 0⤊ 1⤋
You can get gift card credit cards. Visa has cards with no limits that you load money onto. That may be an option.
To actually get a real credit card in your name- it's not going to happen. You are not 18, therefore you cannot legally sign a contract. You cannot be bound by the terms of the credit card.
Try getting a debit card from your bank. You say you have the money, so it shouldn't be a problem.
But why buy the laptop online?? You can probably get a better deal in person anyway. Especially during the holidays.
2007-11-26 03:23:11 · answer #2 · answered by Meghan 7 · 0⤊ 1⤋
If you're under 18 you are not yet of legal age to sign a contract, so your parents will have to either co-sign or more likely, get the account in their name and have a card issued to you with your name on it. However, they would be legally responsible to repay the debt. The credit limit would be dependent on their income. If you go to your bank and talk to a loans officer they can explain your options to you and your parents.
2007-11-26 03:07:26 · answer #3 · answered by LindaLou 7 · 0⤊ 1⤋
never pay for electronic thing cash beczz if their is something u dont like in the laptop u can dispute the charge ;)
2007-11-27 04:36:00 · answer #4 · answered by Anonymous · 0⤊ 1⤋
the only way is if your parents give you one on their account or if you apply for a pre-loaded card where you put the money on first and it deducts like a debit card, but usable as a visa or master card
2007-11-26 03:00:15 · answer #5 · answered by Anonymous · 0⤊ 2⤋