Hello,
You can also apply for a "Debit" bank card from your current Bank branch you use, basically all banks now have their own type of debit "credit" card. It's baiscally a regular savings bank card, but it also has the added feature of using it in the same way as you would a credit card. E.g. It would be with either Mastercard OR Visa, and when online purchases or paypal require a credit card to make payment or to link for verification, the debit credit card will be accepted and you'll be able to use it in exatly the same was as a credit card. And the money comes straight out of your Savings/Cheque account. So if you have no money in your savings/cheque bank account, then you won't be able to pay for purchases. A lot of people use these debit cards to replace an actual credit card when using it for online/over-the-phone purposes.
Hope that helps.
