This is a schematic process flow diagram of the processes used in a typical oil refinery. This process flow diagram (PFD) example was redesigned from the Wikimedia Commons file: RefineryFlow.png. This file is licensed under the Creative Commons Attribution-Share Alike 3.0 Unported license.
You have to be at least 18 to get a credit card but to get a debit card( which is where you get money from your account) you have to be at least 11/12. My husband had his first at 16 or younger. He lied about his age (which is illegal!).
If you are over 13, you can get a prepaid credit card, like a much Music card in canada, I beleive you can get them from most major credit card companies and banks as well though. You have to be over 16 to get it without your parents but you just have to be 13 to get one with your parents.