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I set up an account at my bank (a local credit union) and they never mentioned anything about a CC. They gave me an ATM card, that's about it. Its a special student account, they wouldn't let me have a full account. I dunno, I'm sure there's some way to get around a CC number... if all else fails just tell your mom you need her's to sell something. Or wait til she's drunk and ask her... that's what I did when I bought my motherboard and processor... I charged about $400 on the CC but she didn't care cuz I had the money to pay it off.
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