ok, i my self am 14, thus not being eligable to be a card holder. my parents dont really like the whole idea of "ruining a 300 investment". so, if you are in the same predicament as i am there is an easy solution. ever see one of those credit cards that YOU put money on? its like the opposite of a credit card kinda. well, im not sure where to "buy" them but im sure a bank or post office might have them and you can be any age to use them(correct me if i am wrong). besides when your on-line they do not know if you are an adult or child, thus giving you a way to order on-line without you parents if they are bitchy or they refuse. ALL and i repeate ALL stores on-line accept these cards just as any other credit card(visa i think).

where do you get the blank cards then and how do you put money on it?

lol....yeah being 14 and all you dont fully understand the rules...
You must be 18 to get any type of credit of bank acct.
The cards that you are talking about is basically a bank debit card.
And you must be at least 18.

Sorry... minors still wouldn't be able to buy these, AFAIK.

They're still a credit card, with a legally-binding contract and usage agreement... as such, an under-aged person can not apply for them. A parent or guardian would still need to apply for, and maintain the card. Then they put money into the "account", from which you would be able to draw from using the card. I'm not sure if, even after they got the card and gave it to you, if you would be able to add funds yourself. I'm pretty sure they would have to do it for you.

They're mainly for kids going away to college. So parents can easily provide money to their kids, without the risk of giving them a full-blown credit card (ie - one with a $20,000 credit limit which a college kids could blow through in a week).

WyldWayne, anyone can have a debit card, but they must have a parents signature if they are under the age of 18 or so I'm told.

Not true about anyone can have one, a debit card at least. When I was 17 I got a bank account but I could only get a ATM card. Not the same as a Debit. So it was good only at ATM's and I couldn't use it online. But there are some banks that bend the rules and will give you one if you are 17.

kid,

just goto the post office/bank/super market/ and get a money order. Call the shop up, order and send payment... wait... wait.... wait for it.... ok, now that you have your mod install it without your parents ever being the wiser...


some people are scared to toy with expensive things... just remember they're just THINGS

QUOTE (telo{+} @ Jan 6 2003, 05:00 PM)

some people are scared to toy with expensive things... just remember they're just THINGS

Oh so true.

But... on the flipside... if he installs the mod and something goes wrong and things get ruined... I'm pretty sure the parents would be unwilling to foot the bill for another "thing". So I guess it's more a matter of "does the thing entertain you enough to where you don't want to be without it".

QUOTE (nonamer66 @ Jan 6 2003, 04:54 PM)

WyldWayne, anyone can have a debit card, but they must have a parents signature if they are under the age of 18 or so I'm told.

If the parents sign for the card, the parents are the ones with the credit card, not you.
They get the bills, and they're the ones under financial contract to repay the debt.

In Oz you can get a credit card at 16, but it's linked to your parents and they have to sign the application stating they accept responsibility for your spending habits. Use it poorly and you ruin their credit rating as well as yours.

you lot are all wrong, he is talking about a card that has nothing to do with any banks.
you buy a card and you buy credits for it, u can then go and spend them on the net.

i know u can get these in england from a post office, but they suck though, i think they only work with certain websites. maybe the ones u get in USA do work everywhere.

but hes not talking about a normal credit card/debit card from a bank

why its posted here, i dont know

QUOTE (nadnerb @ Jan 6 2003, 06:33 PM)

you lot are all wrong, he is talking about a card that has nothing to do with any banks. you buy a card and you buy credits for it, u can then go and spend them on the net. i know u can get these in england from a post office, but they suck though, i think they only work with certain websites. maybe the ones u get in USA do work everywhere. but hes not talking about a normal credit card/debit card from a bank why its posted here, i dont know

Closest I've seen here in the US are pay-as-you-go phone cards

The only way a card like that would work anywhere (at least in the US) would be if it had the Visa or M/C logo on it.... at which point it would be a credit card.

I suppose someplace like Fingerhut would have a card like that... but they're unlikely to have any electronic supplies... and even less likely to have any xbox mods

Isn't there a way with Paypal to do something like this?

Check out eCount or WebCertificate for information on prepaid MasterCard accounts that can be used in-store or online.

Yup yup, you're welcome.

Visa buxx is what your talking about its pretty cool I think I'm getting one

I saw a commercial for keybank Mastermoney gift cards. They work like a credit card but they aren't linked to an account. You can buy them at keybank(big bank here in NY) not sure if they have them where you guys are but all it is is a card kinda like a phone card. You buy it for an amount of $25 to $2,500 and can spend it till its gone anywhere MasterCard is accepted. I think that's what all of you kid's need. Also don't buy an X-box if you can't install a mod chip yourself. I got mine preinstalled at xboxmodchips.com it was a reasonable price for not having to do it myself[COLOR=blue][FONT=Arial].

dont worry too much if you mod it and it dies...
just tell your parents that it isnt your fault and get a replacement...
here in the uk i have sent back 3 moded xboxes and 5 ps2 consoles...
all thy do is send out a delivery guy to swap consoles and they dont check for mods and there is no comeback from any console company.
well at least thats how it works here

there is no age 18 rule, when i was 15 my bank gave me a debit card.

I was 16 with a check cash card... dont know where they are comming with this bullshit that you cant get a CC. my bank card was visa

got one for CANADA??!!

there is a card u can get! its called "SplashPlastic" which allows u to go to the post office & put £# on it 4 use to spend on the net! i dnt think u can use it where ever u want though, its only accepted on surtain sites! goto h**p://www.splashplatic.com to see the list of shops that accept it!

QUOTE (Perplexer @ Jan 6 2003, 09:03 PM)

Check out eCount or WebCertificate for information on prepaid MasterCard accounts that can be used in-store or online. Yup yup, you're welcome.

Yeah... okay... and direct from the ecount website
"terms of use" page:

QUOTE

1. Your Eligibility Use of the Service is limited to individuals that can lawfully enter into and form contracts under applicable law, are over the age of 18 and are residents of the U.S. The Service is not available to minors. C/Base may refuse our Service to anyone, at any time, in our sole discretion. To use the Service, you must provide your real name, street address, email address, telephone number and such other information as may be requested to determine your eligibility for the Service and for a MasterCard account. Falsification of any of this information constitutes grounds for termination of your account.

And from the same page on the WebCertificate site:

QUOTE

Eligible Users The products and services provided on this web site are available only to individuals who are of legal age and who are capable of forming legally binding contracts under applicable law. Without limiting the foregoing, products and services on this web site are not available to minors. If you are not 18 years of age or older, please do not attempt to activate the Webcertificate that has been issued to you. In such event, please immediately visit our Customer Service Area so that we may notify the person who purchased the Webcertificate for your benefit. We, unfortunately, will be unable to activate your Webcertificate account. However, we will arrange to transfer the Webcertificate back to the person who purchased the Webcertificate or credit his/her account and he/she will need to make other arrangements to provide you with the gift intended by the Webcertificate. If you are 18 years of age or older, in order to be eligible to activate your Webcertificate, you must have a valid email account and access to the World Wide Web. C/Base may, on occasion and in its sole discretion, require you to verify your identity and age before activating your Webcertificate account.

Same with VisaBuxx (parent applys for the card, gets the bills, and adds money).


Trust me... you can not apply for any type of financial card with the Visa, MasterCard or major lending company logo on it if you are underage without your parent's approval and involvement. And since that was the whole premise of the original question ("can I spend my own money for an xbox mod without my parents knowing about it")... the answer is NO.

QUOTE (smokeingit @ Jan 7 2003, 03:06 AM)

I was 16 with a check cash card... dont know where they are comming with this bullshit that you cant get a CC. my bank card was visa

Let's see... where am I "coming from" with this "bullshit"... gosh... a little thing called "the law".

In your case, you had a check cashing card when you were 16 (I did too, actually).

But, first, a check cashing card (otherwise known as a check guarantee card) is not the same thing as either a credit card or a debit card.

And second, even if it was a credit card rather than a check guarantee card, I guarantee that the account that the card was linked to was not entirely in your name (your parent or a guardian had their co-signed signature on a contract somewhere that said they would be financially responsible for any bank charges or debt).


I'm not saying you can't have a credit card in your wallet if you're under 18... I'm just saying that your parents would have to be involved somehow.

There is no law (that I have ever seen) saying you have to be an adult to have a credit card. However, there are laws saying you have to be 18 to be held accountable for your signature (for it to be legally binding).

That said, I got a Mastercard with a $2500 limit when I was 15 (I also had a legal job) by opening an account through a local credit union (not a bank, no fdic insurance I.E. they follow their own rules) who had an overseas affiliate (and registered the account / card in that country).

I still use that card today, 8 years later, never had a single problem.

QUOTE (M4TR1X @ Jan 7 2003, 08:33 AM)

here in the uk i have sent back 3 moded xboxes and 5 ps2 consoles...

you shouldnt even be modding if you fucked up that many!