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**Lambeaus** · 04-19-2006, 10:33 AM

Re: I'm not able to get this game =(

Watch out for that debit card though! I leaned a while back that they are almost TOO convenient. Thankfully, I don't do finacials anymore

**Rodin** · 04-19-2006, 10:33 AM

Re: I'm not able to get this game =(

Originally posted by Sokiran

@Rodin

She hasn't caved in for a YEAR!!!!! I've been doing all the stuff you said to do, but it doesn't help much. I think my mom just doesn't want to use her credit card (one of 7 of them . . . I counted) for a videogame XP

1) If your mom has 7 credit cards, she probably doesn't want to use her credit card because she's accumulated some kind of debt with them. This is VERY common in America. What you want to do is offer to open the checking account and pay. You're going to have to open a checking account anyways, if you're going to be working in your cousin's printshop. Now, what you want to do is BALANCE your checkbook. What you should do before is show your mom that you're VERY responsible by balancing that. Most ADULTS can't even balance a checkbook properly. You need to be adamant that you REALLY want to play FFXI. Be stubborn, once your parents think that you're not gonna let it go, they'll make a compromise.

True Story: My parents wouldn't pay for my car insurance. They told me I needed to get a job and pay for my own insurance first before I got my license. The CLOSEST job was 7 miles away. My parents said they would not drive me to and from work. There were no bus routes through my town. Most other kids worked two-three towns over, making it so I couldn't get a car-pool. I waited TWO YEARS before I got my license. But finally, they cracked, paid for the first month of my car insurance, and I got my license. That same day, I went out and got a job.

**Lambeaus** · 04-19-2006, 10:35 AM

Re: I'm not able to get this game =(

Originally posted by TheGrandMom

ACK!! You've been peeking on my puter!! Those are 2 of my addictions....much to my husband's dismay! I actually bought 90% of my Christmas gifts off Amazon this past year because I was too sick to go out. LOL I bought myself a few gifts too while I was at it!!

You sound just like my wife! She ordered most of my stuff online. Of course, I suppose that was the only way to get what I wanted without LONG commutes.

I do all my shopping in store...with a debit card

**Sokiran** · 04-19-2006, 10:35 AM

Re: I'm not able to get this game =(

Nononononono. She doesn't have debt on her credit cards . . . she's actually just finished paying it all off! XD She got a bunch of debt when she was younger, but she's wiser when it comes to finances now . . . why am I telling you this? -_-

**Rodin** · 04-19-2006, 10:39 AM

Re: I'm not able to get this game =(

Originally posted by Sokiran

Nononononono. She doesn't have debt on her credit cards . . . she's actually just finished paying it all off! XD She got a bunch of debt when she was younger, but she's wiser when it comes to finances now . . . why am I telling you this? -_-

For some reason, people just open up to me >.>

Anyways, that's what I expected. Same thing happened to my Aunt and Uncle, and they won't put ANYTHING on their cards anymore.

TheGrandMom>> I didnt' mean acting up. What I meant was, don't act content without having not achieved your goal. Let your parents know, even if it's bluntly, that you want to play FFXI.

**ultimaknight** · 04-19-2006, 10:39 AM

Re: I'm not able to get this game =(

I just want to comment about the debit card idea. Chances are that it too can be a no go, and here is why (I know this because I am banker):

1) A minor always needs a guardian on the account -- check if you mom agrees.
2) Banks won't allow a minor to have a debit card. This is because Visa will not cover the liability because a minor cannot be held liable for the debt if the card is used for "unauthorized" purposes. Bottom line - Visa won't allow cards for someone under 18, same with a credit card.

This leads to a possible work around, but it puts you back in the same situation you originally were in:

You mom opens a checking account with a debit card exclusively for this purpose. Maybe she could consider it your "allowance" if kids still get those. But it would mean that ultimately the POL account would be hers because it would be her account.

Now, about the game being a time sink. That is very true. I have been playing the game since the PS2 version was released (then later bought the PC version). I also have the COP expansion and pre-ordered the TOA expansion. And in all that time, the highest I have reached is a level 30 RDM.

That is because I consider myself a "casual" player, usually playing on weekend because that is when I have the most time. Plus I quit playing for periods at a time. Like someone mentioned, it takes a lot of time to do anything. You could be waiting around for an hour just to get a party sometimes.

But it sounds like you really want to play and that you know how to balance it out. So I say good luck, because it is a fun game.

**Rodin** · 04-19-2006, 10:40 AM

Re: I'm not able to get this game =(

Originally posted by ultimaknight

.
2) Banks won't allow a minor to have a debit card. This is because Visa will not cover the liability because a minor cannot be held liable for the debt if the card is used for "unauthorized" purposes. Bottom line - Visa won't allow cards for someone under 18, same with a credit card.

This isn't true. Minors get the debit cards. The parents co-sign the account and accept the liability. At least that's how my account was.

**Taskmage** · 04-19-2006, 10:41 AM

Re: I'm not able to get this game =(

Originally posted by Sokiran

Nononononono. She doesn't have debt on her credit cards . . . she's actually just finished paying it all off! XD She got a bunch of debt when she was younger, but she's wiser when it comes to finances now . . . why am I telling you this? -_-

XD Good question!

Could it be that your mom just isn't comfortable using her credit card online? My parents got paranoid from the identity and credit card theft that used to happen years ago, so they won't use any of their financial information online. Probably a good idea considering how many viruses and backdoor programs my parents somehow acquire. >_> Who knows what kind of spoof site they might put sensitive information into.

If you've got a secure, 128-bit encrypted connection with a reputable company there's nothing to worry about. ..... Unless you have a keylogger running <_<

**Kittyneko** · 04-19-2006, 10:44 AM

Re: I'm not able to get this game =(

Originally posted by Rodin

This isn't true. Minors get the debit cards. The parents co-sign the account and accept the liability. At least that's how my account was.

Yea that's the way it goes in The Netherlands anyway. I had my brother signing me up for an account.

Double Post Edited:

Originally posted by Taskmage

XD Good question!

Could it be that your mom just isn't comfortable using her credit card online? My parents got paranoid from the identity and credit card theft that used to happen years ago, so they won't use any of their financial information online. Probably a good idea considering how many viruses and backdoor programs my parents somehow acquire. >_> Who knows what kind of spoof site they might put sensitive information into.

If you've got a secure, 128-bit encrypted connection with a reputable company there's nothing to worry about. ..... Unless you have a keylogger running <_<

o.O yea! Tell that your mom! 128-bit encrypted connection is safe! [/sarcasm] :p

**Atma** · 04-19-2006, 10:46 AM

Re: I'm not able to get this game =(

Visa Gifts Cards, get 'em at any bank or mall last I checked. Don't think there's an age requirement on 'em, either.

I know that you are apparently quite mature for your age, but I would like to just point out that it does specifically state on the box for the game and every expansion "children under the age of 13 are not permitted to use PlayOnline services." Requiring a credit card is by design. Those who were to sign up under the age of majority are not technically bound by any contract they sign, which is why you cannot get a standard credit card till you are 18+ either.

**Omniblast** · 04-19-2006, 10:54 AM

Re: I'm not able to get this game =(

One thing in America that you learn is...

They don't teach you anything about managing your fianances & your time.

In school there are no classes that teach that. In fact, school was designed so that you would not learn how to manage your time & your fianances so that you would accumulate debt and pay credit card companies and financial institutions.

If you can learn and control how to manage your time & finances you would be far better off than most. Remember, the strong and knowledgable prey on the weak and unknowing.

**Kittyneko** · 04-19-2006, 10:54 AM

Re: I'm not able to get this game =(

Getting any kind of card without parents permission is kinda bad anyway. Let's stop talking about it :p.

**Sokiran** · 04-19-2006, 10:55 AM

Re: I'm not able to get this game =(

I didn't know we were talking about getting one without permission . . . I thought it was just another of those possibilities? XP

**Kittyneko** · 04-19-2006, 10:58 AM

Re: I'm not able to get this game =(

XD No, not a possibility.

Go talk to your mom now before posts start to arrive about bank robbery's.

**Sokiran** · 04-19-2006, 10:59 AM

Re: I'm not able to get this game =(

XD She doesn't get home until 5:30 . . . it's 3:00 here right now . . . The posts are getting more extreme, slowly but surely XD

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