I can help
step one go to walmart and purchase a prepaid visa card load it with money.(KEEP THE RECEIPT) you will need it to activate it!!! follow the steps on the package or there will be a small label on the card.
thats it I just did that
I know it shouldn't be done and I hope I don't get blamed for telling this, but when I was underage I just had an account in which I declared to be 18, then I just vinculed my VISA to it (you can have visa even if you're underage as long as your parents sign the authorization in your bank office).