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I had the same issue....Luckily there is a very easy answer. You buy a prepaid credit card. Buying prepaid credit card requires no personal information of any kind so parents have nothing to worry about. All you have to do is:
If your in Canada then you can go to Shoppers Drug Mart
If in America then go to a large store like Walmart or something and walk up to a cashier and ask for a prepaid credit card. They come in different sizes, so i think you have to get the 25$ one since its the smallest. All you do is pay them for just over 25$ and you get a prepaid credit card that works anywhere including the playstation network.
NOTE:Dont forget you have to register the credit card online......when your registering, the numbers on the prepaid credit card may be confusing but just play around with the numbers and eventually you will get it.
Hope I helped
PS: If you have gift cards to a specific place like a mall or walmart, you can use the gift cards to get prepaid credit cards which you can then use anywhere.
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