I can't think of any country where you can get a credit card at under age of minority, but in bunch of countries you can get a debit card at age of 12+.
It's partially true.
32-bit Windows uses PAE anyways, so it can use up to 64GB, the 4GB limit is just a licensing restriction (which can be unlocked, albeit illegally). 32-bit Windows Server 2008, for example, supports 64GB out of the box without any patches.