I have a Visa DEBIT card, certainly, but I never have any money in the bank, except for that glorious day of the month when I receive my microscopic disability pension, at which point I send all the coins to my PayPal account. It's the best way to pay on Bandcamp, Discogs, eBay, and a billion other places; and when it's not accepted (Amazon, for instance), I ask a friend of mine to order for me, and then I pay him back using... PayPal, you follow. (ETA: Amazon does not care for my debit card, even though it's valid internationally.)
The reason I need a CREDIT card is that often ultra-limited editions are announced and you gotta act real damn quick, and with $0 in my bank account for most of the month that's not possible.
It's too bad a psycho piece of shit like Thiele created PayPal, but I have no alternative.
