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If you don't have a credit card, you might look into getting a VISA gift card. It's like a gift certificate but has a valid VISA card number on it. You could use that until the amount on the card runs out. You can buy them at many local banks or sometimes even at stores like CVS, Walgreens, Office Depot, some grocery stores, etc.
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Don't think of the mods as your parents, who care about you. Think of us as a high-voltage electric fence. 
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