I want to buy a cell phone on a plan when i turn 18, but i might need some sort of credit, what can i do?
552185
I'm not sure about that. I got my cell phone from Verizon when I was 18 and I didn't have any credit at the time.  I don't think you'll have a problem, but I would just check with each company first.  There's no harm in that.  If it turns out that you need credit, then try and get your folks to put it in their name.  You can pay the bill and eventually put it in your name when you're ready.  All you have to do is fill out a name switch form. Good luck.
938063
Ihave a 16 yearold granddaughter, we gave her a cell phone, there are different varieties, some are cheap, good luck
627745
If you consistently use your mobile very, very occasionally, and only for domestic calls, then a pre-paid phone could be the lowest cost option.  \n\nOne thing to keep in mind is that with prepaid plans, you have to buy the phone, which even after rebates/incentives, can cost $75 or more for something other than a very, very basic model.\n\nAlso, if a person has lousy credit, a prepaid phone can be a good way to go (no credit check).\n\nContracts are not a rip off for everyone.  I have a monthly plan, I pay about $50 including all taxes.  I committed for one year intially, I am now month to month.  My mobile phone is my only phone, so I use it a fair bit, meaning that a monthly plan makes sense financially.  I got my phone for free when I signed up for the plan about two years ago now (and it is not the most basic model).
803600
do not start your adult life by having too many credit cards\n\nThis can lead you to ruin later on.\n\nBe realistics, just get one and work hard.\n\nDo not buy something that you cannot afford, just beacsue you have a credit card
68236
Purchase things you ALREADY HAVE THE MONEY FOR in the bank.  Then pay them off each month.\nEnsure your card has no annual fees, and it will cost you no more to use the card than it does to have cash.  Just be sure to never, ever, ever spend more than you have in the bank.\nOver time, this will build up your credit.\n\nIf you buy a car using a loan, your interest rate will depend on your credit.  Once you pay it off, your credit will go up (makes good on debts).\n\nBuy a house, and your credit goes WAY up.\n\nGood luck!
1008053
You may want to consider a "secured" card; this is a credit card that is backed by a savings account of equal value, meaning that if you have $500 in the account, you have $500 of credit. This is the best way to fix/establish credit.
1096802
it depends on your credit and sometimes your purchases. is there a particular place you enjoy shopping. take that into consideration. also ask your bank manager to help you. they are the professionals
412682
18 is considered the age of legal consent.  Of couirse then you gotta pay bills, get a job, find a place to live, get food, figure out transportation, insurance, taxes, utilities and of course buying the stuff to put in the place your live like a bed but you are probably thinking cable TV, phone etc.  Those are nice to have too.  These are all things you would like but education is the key to getting all the stuff.  Start buy getting your high school diploma first.  If it is difficult at home there are places that help.
804044
reserve one online with a credit card.. i did it when i was 18 and my boyfriend was 18 so there are some out there where you can get around it.. they might want a cash deposit but..
884180
It is simply because the laws state that you are not an adult until you reach the age of 18. Until you reach 18, you can not enter into a legal and binding contract. Any time you call on the phone or get on line to order anything, you are entering in to a legal and binding contract. If by chance you are under the age of 18 and you decide not to follow through with the agreement, then there is nothing the company can do about it. They should have never sold something on line or by phone to a minor.\n\nTherefore if you had told them that you were only 16 they would not have dealt with you at all.
619412
you have to be 18 with a credit card if you aren't you have to have a friend do it and if you are planning on having a party there be careful nothing gets damaged if its on your Friends card
452827
18 or have your parents cosign for it (i.e. agree to be responsible for the bill).
979043
With those figures, your best bet is probably to set up an appointment with a credit counseling agency or financial advisor and they will be better suited to advise you as to the variety of plans available to you both "in" your area and "for" your financial situation.  Have your dad go w/you for personal support.  You may be able to get out of the hole you're in WITHOUT digging a deeper one.\n\nIn the meantime.....\n**Destroyed the cards? GREAT start!!!  \nYou can also take better control of the other expenses that nip at you month to month by...\n*get a cheaper cell phone plan-maybe even a prepaid one (you control your spending better that way)\n*If you have the "full deal" cable tv service...cut it down to basic for a while till things iron out, you can always re-upgrade later.\n*If you have ALL the extras on your home phone, get rid of it all and keep just basic service and MAYBE the caller id.  Pick up a cheap answering machine for a one time expense rather than have the voice mail that you pay monthly for.\n*Any other "installment" plans that you have PAY BEFORE THE DUE DATE! You'd be AMAZED at how much more will go to the principal instead of the interest.\n*If you have "high-end" internet, cut down to basic for a while...that too can be re-upgraded later.\n\nThere are ALOT of little ways that you can cut down on some of the "over-head" while you get things straight.  And you'd be surprised what you discover you can live without, You may end up realizing just how much and wonder why you were wasting so much money!\n\nGOOD LUCK!
1049926
Yes you can just call up the credit card company and have her added as a card user.  I'm not sure about the age though.\n\n\nLC
133397
Try the bank where you have a checking account they will probably give you a credit card. You have to start out  small with like a 200 or 500 dollar limit.
1041397
your age?\nIf under 21 American Express can help w/ the aid of a parent / adult.
159649
Just PROVE to her, and get your own money. Show her the money enough to buy the cell phone and pay for service for the next, say, 4 months. Explain to her that you need it for your own protection and not to take pictures of your friends and cha-cha about your latest crush. Good luck! ^^