Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

How to get a credit card as a minor?
I have a job and would like to buy equipment for producing music at home and it would be easier for me to pay for the equipment monthly I just want to address your contention that it would be easier to pay monthly, with an interest calculation.  Lets say you get a credit card with a very reasonable rate of 12% and you buy $2,500 of equipment.  A typical credit card minimum payment is interest charges + 1% of the principle. You can see how this is going.  You've paid nearly $200 to clear about $100 off your principle.  Obviously paying the minimum payment will take forever to wipe out this debt.  So you pay more, or maybe you get 0% interest for a while and take advantage of that. Paying $100 per month against $2,500 at 12% per year will take 29 months and cost about $390 in interest.  At $200 per month it'll take 14 months and cost $184 in interest.  Also note, you'll probably get an interest rate closer to 16 or 17%. It's always easier to pay small amounts frequently than it is to pay a lot of money all at once, that ease has a cost.  If you're buying the gear to start a little business, or you already have a little business going and want to upgrade some gear, great; disciplined debt handling is a wonderful skill to have in business.  If you want to start yourself in to a new hobby, you should not do that with debt.  If interest rates are low enough financing something can make sense.  0.9% apr on a car, sure; 15% apr on a mixing board, no.  Credit card interest rates are significant and really should not be trifled with.