No credit card...what to do

I'm not full time employed so I cannot get a credit card either.
For me it was a matter of seeking a member of family that has access to credit facilities and passing the cash over and asking favour.

I am age/address verified in my own right . the credit card that buys tier/L$ is irellevent.

Good luck . You will find a way.

There is definatly no credit card needed on your Paypal account for SL.
Just use Paypal with your bank account.
You do need to transfer money then from bank to Paypal account, but that goes really fast.

I have both connected to my Paypal, but friends of mine here in Europe use Paypal without credit card.


And - somebody suggested to get a pre paid credit card over the border, but I don't think any European country has pre paid credit cards.

We had this discussion in another thread. You can get pre-paid Visa gift cards in Europe. The Czech Republic didn't come up specifically, but the UK did.

I'm assuming that the OP believes in credit cards to the extent that he acknowledges their existence - he doesn't view them the way people view ghosts or aliens. So it's a matter of him being too stubborn to get one. I don't have a lot of sympathy. The world does not cater to people who refuse to get along. In this day and age, it is going to be very difficult to do anything, expecially anything over the internet, without a credit card. That's a fact of life. There are better things to take a moral stand against than stupid credit cards.

It has nothing to do with stubbornness as it does with refusing to buy into the scam that credit cards are. If i lent you money and charged you interest in the exact same way a credit card company does then guess what...I would be in JAIL. Think about that for a minute.

And the fact is for 99% of human history we had NO credit cards and the world got along fine without them. It is a myth, perpetuated by the banks, that you cannot live without one.

I do not subscribe to that LIE. It has been difficult in some areas not having one, but in every instance (like this one) with a little time I have managed to find a way.

You may think that being a slave to a faceless bank and its obscene interest rates and terms of payment may be "21st century" but to me it sounds like 13th century serfdom or slavery.

No thanks

Uh, then only spend what you can afford to pay off at the end of the month...no interest fees will be charged.

I just thought about that for a minute. If you lent me money but beforehand got me to sign a contract where I acknowledge the interest rates you'd be charging me if I didn't clear my balance each month, how would you end up in jail?

True. But my local grocer won't let me barter for produce , and I AM NOT doing what the gas station attendant wants in exchange for gas.....anymore.

AWWW man. I am totally going to miss the survelience camera footage.

Think of Credit Cards as a "Nice" Loan Shark.

It lets you use money you don't have but without breaking your legs if you don't pay up.

Consider them a Necessary Evil in the Modern World.



For 99% of Human History we didnt have home computer either

You should really think about that sentence for a few seconds... credit cards are the least of your concern if you're going to rant about things we haven't had for 99% of human history.

Before the 80's credit cards were rather rare.. before 70's non-existent if I remember correctly (Remember class, not the time period XD) So it's not just 99%, but they're actually really generally new even just taking 'modern' times into count. They only started gaining popularity early to late 80's really. That's when they really took off and the US especially went a lot farther into debt.

You did have store accounts, Macy's, JC Penney's, Motgomery Ward and gas cards as far back as the 1950's, but the major bank cards started popping up in the 70's, but they did become common in the 80's .

My parents dont even have an ATM Card. Credit Cards, yes. ATM, No.

Guess you will do just fine without becoming a paying subscriber to Linden Lab then. No one ever died from not being a premium account.

My credit card actually affords me a lot of protections that cash doesn't allow. For example if I pay for something online and do not receive what I ordered and paid for, BY LAW the card company may not charge me. However if I had paid for the same thing using money from my paypal account withdrawn from my bank, I would be out of luck.

I am an educated consumer, I have learned to recognize tools for what they are in the 21st century rather than crying "lie" and "slavery" like an uneducated 13th century serf.

Hmm, well when you can pay World of Warcraft subscription using poutlry as currency, the pre-banking history of the world might be relevant. Somehow kids from nearly every country in the world can get into WoW and most porn sites but adults can't figure out how to get into SL.
Anyway I believe in Debit cards. You don't pay interest because they only use money you have, unlike a credit card. Perhaps you should blame your banks and government for not allowing debit cards.
Yes credit cards may be seen as a rip off only if YOU are weakwilled enough to allow them buy spending all you have access to. The fact is on most you pay no interest if you keep their balance clear.
Hence I would use my CC to pay my subscription, notice on my internet banking it has been paid then transfer funds from my saving/debit account next payday to retop up my credit card to zero balance before 30 days. I ignore the banks "gold card" offers to bump my limit to $3000 so far, $500 is plenty for me.
Cash? Hmm lucky if I ever carry more than $50, everything I pay at shops, hardware, fuel station using my debit card. it's the future, you can keep using cash for a while till the rest of the cash generation die out I guess. And you can waste years of maintenance costs and fuel while you save cash for a car instead of taking a loan out and paying it off faster with the savings each week from no longer driving an ancient unreliable less safe money pit. My first car was costing me $80 per week in fuel and another $20 in body filler for the rust, I sold it for $1000 the replacement cost $5000 I borrowed $5000, used $30 in fuel and cost $30 per week in loan repayments, spent the $1000 from selling the old car to improve the replacement.
I would have taken years to save enough by cash, and many of us have to borrow to get homes, we have multiple siblings to share amounst and parents are still living in the home they have anyway. Renting or living with parents till you're 50 isn't an interesting option.

I have had a credit card of one sort or another since 1976. I have NEVER paid a single penny in interest. In banking terms I am a lousy customer because I control what I spend, never exceed what I have and always pay the balance off each month. Perhaps someone could explain the downside of living like that?

So far as SL is concerned I actually pay with a combination of Paypal and a DEBIT card. I agree with the other posters, this is the way to go.

A debit card tied to your bank balance is simply an alternative to paying by cheque. Not sure about the rest of Europe, but pre-payment cards are certainly widely available in the UK.

I honestly laugh at the posts here assuming because I am against having a credit card that i am uneducated, stubborn etc etc etc.

Generalizations...got to love them eh?

Well we are the users of the evil credit card "scamming" system, so of course we get a little cheezed at the faith we follow being rubbished and generalised
Hmm seeing there aren't any other options, I guess you won't find too many not using the credit card system. I hope that if you didn't realise you could get debit cards and don't pay interest to the evil bank demon unless you fail to make an equivalent monetary sacrifice with in 2 moons, we have given you a new light to investigate or ignore the credit card system by.
Sorry if I came across as an a*&ehole, you probably didn't deserve it. I ned to cut back on the headaches that make my alcohol worse.

Whether you are uneducated, I do not know, and I missed the posting where someone told you that you are.
Stubborn, well a bit at least, I'd say. But there is nothing wrong with being a bit stubborn.

Your motivation for not having a credit card did strike me rather odd though, and was not the most intelligent motivation I ever read You are fully entitled to loan me money and charge an interest, most cars and houses are payed for that way. So what is the scam? And slave to a bank? Excuse me?

It is your right to refuse a credit card, but to say the world survived very well without them, well what can I say. The world did perfectly well without computers, and certainly without Second Life. So why bother?

Whats the funnyest is none of them can give you and answer but they just HAVe to post why your wrong lol THATS funny
But why do you want to be a preium? there really isnt any benifit to it ya dont need to be one to have land

Looked to me that there were plenty of decent answers to the issue at hand.

Ah... you're generalising too. Gotcha.

We are not generalizing...we're being very specific and talking about YOU.

We don't assume you are uneducated. You could have a Ph.D. Your education doesn't matter...what you are is STUPID, and we have been trying, as gently as possible, to point this out to you.

And yes, you ARE stubborn. We've suggested at least three solutions to you, (a debit card, a prepaid credit card, or a credit card that you pay off every month) and you refuse to even consider them. Instead you insist on cash...even when people have pointed out that cash has some serious drawbacks, like the ease with which it can be lost or stolen.

If you want to continue to be stupid and stubborn, that's your right. Just don't expect to be buying a lot of lindens any time soon, OK?

Well, there is one way that doesn't involve anything other than your willingness to work hard in SL. Create something to sell in SL.. save up the L$ from that and then sell them on the LindeX to buy yourself a premium account.

But how are you to get the L$ to start up such a business? That's up to you.

Except you can't sell L$ on the Lindex until you've conducted a monetary transaction with LL and waited for the trading limits to increase.

You are the one asking how to get a premium account without a credit card or using paypal.

You have been given the answer.

There is no way.

Time to get on with your 2nd life as a NPIOF.

As far as the uneducated comparison, you are the one who brought up the comparisons to credit card users being like 13th century serfs. I was simply stating that I am an educated 21st century consumer, not an uneducated 13th century serf. That was not specifically directed at YOU, but rather used YOUR analogy back towards you.