Actually guys, you don't really need your own credit card. Here's how it works:
Step 1: wait for you parents to fall asleep
Step 2: steal their card and buy perm membership
Step 3: get grounded for 6 months
Step 4: at least you have a perm membership once you're not grounded!
Please note, length of being grounded depends on other deciding factors, such as pissed-off-edness of patents and extent of credit card debt on parents account, but besides that, it's completely fool-proof!
Ps: I'm joking. Don't do this xD