First off, let me call myself an idiot. lol. When I was 15, I managed to get a paypal account and a eBay account. Illegal, yes, but very useful. Im now applying to colleges and they all require a credit card to pay for the application. So I logged on to my internet banking and applied for a Student credit card saying I was 19, not 17 almost 18. I just sent it today and can still cancel it (will probably be declined anyways) but if I keep the purchases down to a bare minimum, can I still get in shit for having one? Like is it a criminal offence? Like I said, I can still cancel it but I do in fact have a full time job and could make the payments and not end up in dept like a lot of the other kids i googled. Yes, I know, Im an idiot