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I also find it very irritating when sites insist on Visa or other credit cards.
I have a debit card and a paypal account, but positively refuse to have a credit card. I prefer not to have debts of any sort, except for a small mortgage.
(I know that I could pay the thing off at the end of each month, but that's a hassle I can do without. If I'm having a busy week then I could just forget.)
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