MemberDecember 15, 2019 at 4:08 am
So, I want to buy my first AR15, but the issue is that the spending limit on my high school bank account is too low to get any AR15. What I’d usually do is have my dad transfer money into his account and then pay for what I want, but this time it’d be for a gun and the legality is confusing. My question is: is it legal for me to send money to my dad’s bank account, purchase the firearm online with his card and then fill out the transfer in my name? My thought was that this would be legal since technically it was paid for with my money, just not my card, making me the true transferee/buyer.
TomByer8829GuestDecember 15, 2019 at 4:08 am
If youre the one buying it and picking it up/filling out the bullshit.. method of payment is irrelevant so long as you arent stealing money from someone to do so.
What youre describing is legal. You can pay with a walmart visa gift card, or your uncles friends cousins brothers mommas credit card for all it matters.
Youre the one filling out the paperwork, and youre the one receiving the firearm.. thats all that matters.
N0_Tr3bbl3GuestDecember 15, 2019 at 4:08 am
From what I gather, you will be buying the gun yourself, just using his credit card.
If you’re the one filling out the 4473 with your own info and you’re the actual end purchaser; the method of payment isn’t legally relevant.
You can avoid the entire issue by withdrawing cash from your account and either using that or getting a prepaid Walmart card and using it. No gun store turns down cash.
Rambo6siezedGuestDecember 15, 2019 at 4:08 am
You could use privacy.com to set up a credit card linked to your bank account and transfer enough money to buy the AR.
giltslugGuestDecember 15, 2019 at 4:08 am
First, before any straw purchase considerations come into play, it depends on what kind of “firearm” is purchased. If you use the scenario above to purchase a 80% AR-15 lower then nobody cares except the people who want to stop civilians from owning AR’s.
Second, if your name is on the 4473 nobody but the seller cares where the money comes from. If you purchase the AR online you’ll be required to pick it up at an FFL of your choosing so the seller cares even less who pays for it. Who picks it up is a problem for the FFL.
Third, if you have the money to pay for the firearm why bother putting it in anyone else’s account? Get a debit card at the grocery store or a bank and pay for it yourself.
raduqueGuestDecember 15, 2019 at 4:08 am
What I would do is call my bank and ask if they can up my purchase limit for this transaction, alternatively, buy it locally using cash.
TheRealAWisemanGuestDecember 15, 2019 at 4:08 am
How old are you?
IsthatTacoPieGuestDecember 15, 2019 at 4:08 am
If you’re signing the 4473 hen it’s fine. It’s also fine if your dad were to buy it and then later transfer it to you assuming you could legally own it otherwise
Plap37GuestDecember 15, 2019 at 4:08 am
That would be legal as long as you’re the one filling out the 4473 when you go to take possession of the rifle.
Can I see a gun store being stupid about this though? Yes. A lot of them exercise an overabundance of caution with anything slightly out of the ordinary even if the transaction would be completely legal.
I tried to front a buddy cash at a gun show because a dealers credit card machine was down and the dealer got super scared/rustled that he was buying the gun for me.
Mintuteman_GuestDecember 15, 2019 at 4:08 am
I did the same thing, had the exact same problem with my high school account. My mom just paid for the gun at the store and transferred the money and there were no issues
IronsKeeperGuestDecember 15, 2019 at 4:08 am
Option 1: Call the bank and ask about upping the limit.
Option 2: Use Dad’s card to buy a gift card, pay him for said gift card. Then, buy rifle. (While this isn’t a gift, this is exactly what the ATF recommends for gift firearms) Now you have paid the money and filled out the form. This will match everything up.
RanndomUndeadGuestDecember 15, 2019 at 4:08 am
simpler conversion….Withdraw the money needed from either, Pay in cash. transfer over later if needed, problem solved
zSchlachterGuestDecember 15, 2019 at 4:08 am
If you give your dad the money to buy it, it is a straw man purchase which is illegal. Whoever does the back ground check needs to be the person paying and the intended owner excluding gifts, using your card and having him do the background check is a no no
Edit: I thought this was, you weren’t old enough and were going to have dad get it for you. As long as you put yourself as the transferee and do the 4473 yourself you should be fine. Method of payment isnt relevant as long as at the end it is your money and your gun with you as the background check. Also see if you bank can bump your limit or authorize a 1 time transaction
my_name_is_chaos_2GuestDecember 15, 2019 at 4:08 am
Apply for a credit card.
Bank cards suck ass anyway. Always trying to rip you off with every little fees and never be there when problem occurs. I don’t trust banks. Lying, scamming son of bitches. Credit cards on the other hand are a breeze. And they will always stand behind you. The primary difference between a bank card and a credit card is whose money it is. Since it is your money, banks don’t care about what is not theirs. Credit card is their money so if something goes wrong, they will fight to the death to get back their money.