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Check the card terms out with your parents. As long as you're not paying some insane fee just to have the card, get it (with the 15k limit) and then cut it up. Don't use it. Your credit is calculated partially on how much you owe vs your total potential lines of credit... at your age (if you're disciplined enough to not use the card) this could be a very positive thing.
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Grant
In the stable: 1938 Buick Special model 41, 1963 Solex 2200, 1973 Vespa Primavera 125, 1974 Vespa Rally 200, 1986 VW Vanagon Syncro Westfalia, 1989 VW Doka Tristar, 1995 Toyota Land Cruiser, 2011 Pursuit 315 OS, 2022 Tesla Y
Gone but not forgotten: 1973 VW Beetle, 1989 Porsche 944, 2008 R56 Mini Cooper S
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