Alright. I'm not trying to be a kiss up to the mods but this is very easy to answer and very annoying.
1. If you were old enough, you could have bought it yourself
2. Ive heard the 'My family is broke' sceame many of times. Its just a lie to get free stuff.
3. Possibilites this could get you suspended from your account.
4. Everyone gets.. just a tad pissed to hear your crying about being to young to not have your own money. Not cool man.
5. It's money you transfer to your account with a card. Sounds alot like your using the wrong console considering the fact you are using the term 'points'
Just trying to help dude. Not take this the wrong way.
Someone back me up if I'm wrong.