I'm also under 19 and needed a credit card so what I did was get my mom to apply for a td credit card and have me as a second cardholder and link to my bank account. I think its the td green visa. its really convenient to transfer money from my account to the visa to pay the bill. Then from there you can make a paypal account (have to be 18 so I just used my moms name and added my credit card). I see so many issues when linking your bank account to paypal so I would avoid it if possible
Hope that's understandable lol
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