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By the way ... OP, at the end of your post you mention that you don't have a credit card. I'm not sure if this is because you have bad credit, or simply don't like credit cards, but the advice I give to people is to get a prepaid credit card. I have one from BMO, and I use it more than my regular credit card. You just load it up with money -- whatever amount of money you want -- and use it as you would a credit card. No fees, no interest ... and more importantly, no debt, and no guilt over your spending. I use this for ebook and iTunes purchases so that I don't find my bills creeping up. Actually, I only use a regular credit card for places that won't accept prepaid (car rental agencies, for example).[/QUOTE]
I have the same card. It's great.
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