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For the OP,
You can always buy a pay-as-you-go debit card from major retailers if you want to buy from a website that needs a CC. The disadvantage is that there are some small fees that are involved.
And if you have a paypal account, I'm not sure why you can't set up an online banking account. I use ING Direct for an online bank, and I have a debit card through them. Just have to send them money one way or other to deposit into the account.
Victor
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