Im 19 and i rarely ever get my family anything nice for christmas and i feel bad because they always get me nice things because I am the baby in the family I guess. I have some money saved up but i really want to get my oldest sister an Ipad because she always buys me awesome gift.

The thing is i dont have the money to buy it now, Im 19 and work 40 hours a week. is a credit card a good option? I know pretty much nothing about credit cards or if i can even get one. I really need to do something now because christmas is coming up and i need the money.

any help or tips are appreciated, thank you.

I don't think you want a credit card. They become an addiction (I know all about debt addiction). How about a bank overdraft? Honestly, think about your gift choices though. Ipads are so expensive, I'm sure she'd appreciate something at half the price :)

Edit:

Overdraft is when you agree with your bank, you can basically spend (for example) £200 more than you actually have and then pay it back when your account is next credited with your salary or however you get money. This will normally be subject to a small monthly usage fee and interest (usually small) and you will need a debit card to withdraw money from the ATM or make online purchases etc. A debit card is just what you use to gain access to funds in your bank account.

This is what you should do, tomorrow, go to your bank and ask them about getting an overdraft. However, if you have a current account you might need to upgrade your account which usually is subject to an additional monthly fee. For example, my bank account costs a total of £140 per year to own. Something like that.

You work 40 hours a week and you can't save a couple bucks to get your family a gift for Christmas? You've got to be kidding. Between now and the Saturday before Christmas, do the following: car pool to work, stop buying beer, smokes (all kinds), eating out, and going to the movies. Take that money and buy them something for the house, even if it's just a nice flower arrangement.

DO NOT get a credit card, debit card, ATM card, or bank loan, checking account over-draft, you name it. Start being responsible, you're 19 now and it's time to be a man. Kiddy time is over.