Hello, IN august i will be attending college i was wondering if any of you can answer some basic questions


1) Can I open a credit card without my parents knowledge, they don't think i should have one but being 19 i feel i deffinatly should. Can i open one without them knowing, i dont care how high the apr is, beacuse ill pay my bills on time..


2) If i can open one without them knowing, then why when you apply for student college credit cards, does it ask your dorm address, but also your home address, are they going to send a ton of paperwork or mail to your house?



3) I am old enough to open a checking account without my parents knowledge right? I feel i am ill be 19, and will have enough cash to open it, but same question if they ask for my home address does that mean they are going to send a ton of paperwork or mail to my house? i want it sent to my dorm.



4) am i allowed to get a cell phone without my parents knowledge?
(Even if its a prepaid phone from verizion i dont care..just want one without my parents knowing)




I know these questions are ''without my parents knowledege, its not because im a bad kid, but rather because my parents are very very strict and i want to enjoy the life of a normal college student. i will be 19 years of age and feel i deserve the right.

Sportybro,

Your problem goes much deeper than the credit card company having your home address.

Did it occur to you at all that you are, in fact, a legal adult already, and can therefore do anything you please, so long as you don't break any laws?

Mommy is going to have to face the fact that her little boy is all grown up sooner or later. I'd choose sooner, if I were you.

I have a son who is 10 1/2 years old who has a longer leash than you do. He has a cell phone, and a bank account, and I have shown him how to balance a check book, and pay bills, so that when he is of age, he will not be clueless about managing his money. I am a VERY strict parent, but I have already taught him what is right and what is wrong. The only thing left for me to do until he chooses to leave my house, is correct him when he makes poor choices regarding the boundries that have already been set in place.

Now, at 19, you are SUPPOSED to be a man, right? Start acting like one. If you live your life according to what Mommy and Daddy approve of you doing or not doing only, how will you ever learn to make decisions for yourself? Do you have to come on-line to get advice from strangers because you are incapable of making decisions independently? If so, your parents need a spanking!

If you want to earn respect from your parents any time soon, you will have to tell them that you understand their concerns, but this is your decision to make, and then proceed to act responsibly about the choices you have made. Do not hide it from them, and do not lie. And this is a big one - Do not go crying to them if you end up having a $500 credit card bill because you thought buying pizza for the whole dorm sounded like a good idea one drunken night, or if your phone bill is through the roof.


This is the thought process of an independent thinker:

*Consider the options. - Do you REALLY need these things, and why.
*Make a choice. - To have, or to not have, these things you want.
*Have a plan. - In this case, how will you pay for/ pay off these things you want?
*Have a back up plan. - What will you do if you get fired from your job, or get injured so you can't work, or spend too much?
*Execute plan.
*Stick to plan.


Try it. You'll like it. I absolutely guarantee you, that if you go through this process before you make decisions, you will have more confidence in yourself, and everyone, not just your parents, your friends, girlfriends, and co-workers, will begin treating you with more respect.

Warmest regards,

Jules

To ANSWER your questions

1 - Yes
2 - They just want to know who to get in touch with when you don't pay your credit card. The only paperwork you will get in the mail are bills, general bank spam, and updates when your terms of service changes.
3 - Just put your dorm address. Because that will be your 'home'. They will send the same stuff as I mentioned above.
4 - Yes, and go with prepaid!! They won't need to check your credit history for it and they don't care about your parents.



Now, for advice.

I KNOW how you feel. I moved out at the same age and it wasn't well accepted with my parents.

I highly suggest you not getting a credit card. Start with a gas card. This is the best way to build credit and it's very hard to get denied. Don't apply for a bunch of credit cards because that WILL mess up your credit score. You may think a credit score is not that important right now but in a few years you are going wish you knew.

Make sure you have a job! Your parents are never going to respect you if you are living off of them still.

If you MUST get a credit card, get a secured card. You can get them from your bank and they are a great way of building credit as well.

I know your angry and eager to get on your own but don't think you will be able to handle everything. It will get stressful and you will not be able to organize until you get used to having to actually do everything yourself.

please quit opening new threads for the same questions: http://www.moneymakergroup.com/Collegesoon-t79367.html