22 replies
Hey everyone!
I just moved into my new appartment and just got internet, so today is the first day I can start doing anything regarding IM...

Now my problem is that I am 19 years old, and I live in Austria, a country where its not really normal for a college / university student to have a credit card. Unfortunately a lot of services (especially ones that require a recurring / monthly payment) require a credit card... is there any alternative?
I dont have enough money to apply for one (if you want one, they want to see your last three work payment checks etc. so they know you can pay for it)

all i have is a paypal account, but with a lot of domain hosters I have the problem that they require a CC or an american bank account.

Any ideas?


Also I am looking for a method thats easy to implement, I am willing to invest some money, but Im looking for something that can require some work, Im alright with that, but I want something thats hard to fail at. Even if it just generates 200-300 bucks a month, I'd be totally happy to use that money to invest in bigger methods and more domains and advertising etc.

Thanks a lot!
#card #credit
  • Profile picture of the author bauger
    I'm not sure but you might be able to get a pre paid credit card or even one you can recharge.

    I know I have used pre paid credit card to purchase stuff. It also depend what your interests are . There are many great markets to go into. You pick something you are knowledgeable in.
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  • Profile picture of the author EugeneA
    Originally Posted by MikePfeiffer View Post


    Also I am looking for a method thats easy to implement, I am willing to invest some money, but Im looking for something that can require some work, Im alright with that, but I want something thats hard to fail at. Even if it just generates 200-300 bucks a month, I'd be totally happy to use that money to invest in bigger methods and more domains and advertising etc.

    Thanks a lot!
    Everything will require work...

    Start with CPA. Go to the cpa part of the forum and check it out.

    GoodLuck
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  • Profile picture of the author adam456
    You can use other then paypal services if there are any at your home country .
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  • Profile picture of the author chaujka
    Hey MikePfeiffer,
    I am not sure about age restrictions in your country but in my country (which is a third world btw), there are debit cards, available for anyone (I have a debit card for my one and a half years old son- only that it is in my name as the parent).

    I personally do not own a single credit card but use ordinary VISA Debit cards for all my online transactions.

    Good thing with debit cards is that you will never be in debt.

    You only use what you have.
    Ask your bank for a debit card. Am sure they must have them.

    I hope this helps.
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    • Profile picture of the author chaujka
      ..oh! about PayPal, you can use the same debit card to verify your PayPal and to transact through PayPal (regardless of currency - it is auto converted to your country's currency).

      On where to start without fail, that is all dependent on you.

      But consider affiliate marketing, making your own products or CPA marketing. They are the relatively easy starters. Make sure to own a website at the earliest possible.
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      • Profile picture of the author JennySweets
        Go with HostGator, they use PayPal. But you have to have money in your paypal balance of course.

        HostGator is my fav anyway, they have everything you need in the cpanel, their plans are Very reasonable.
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        • Profile picture of the author MikePfeiffer
          Okay cool, I'll go with host gator then!
          I dont quite know what you mean with 'debit card' - I have a card that I can pay with at the store, a card I can withdraw money with, but I cant use it for online transactions...
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          • Profile picture of the author Joe Mobley
            A debit card is issued by your bank, talk with them. You use it like a credit card but you have to have the money in your bank account.

            There are different kinds just like credit cards, Visa debit, Mastercard debit, etc. They are usually free or a small fee from your bank. Debit cards from stores or other sources can carry HEAVY FEES.

            They one I use from my bank even has fraud protection similar to a credit card.

            Again, talk with your bank.

            Joe Mobley
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            • Profile picture of the author LadyZelda
              Hey Mike

              I am from Jamaica and here acquiring a credit card is very difficult. In fact it is only in the past couple of years that credit cards became popular. We normally use debit cards.

              Debit Card - This is a card that is given to us by the bank to withdraw money from ATMs, pay at stores etc. You can only spend the amount that you have in the bank and nothing more.

              I however was able to get a debit MasterCard which is like a sweet combination of a debit and credit card in one. It functions in the same way that a credit card does in that you can make unlike purchases etc; however, you are only allowed to spend the amount that is loaded on the card. I got mine through oDesk as i am a freelance writer and provider there.

              Recently one bank started to offer pre-paid credit cards. Please shop around in Australia to see if there are any banks that offer this service. As all you will need to do is deposit money to the account and you can go ahead and make online purchases.
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  • Profile picture of the author zbrshakeel
    Hey there just found out a solution for it You just have to thank me for it.
    It does not requires even a bank account in any bank
    It is Payoneer.

    Features:
    • Get paid directly to your Payoneer Prepaid MasterCard®
    • Use the card for online and offline purchases, or withdraw cash from an ATM – anywhere that debit MasterCard is accepted.
    • Receive payments in dollars and immediately spend or withdraw funds in local currency
    • Never be overdrawn – you can only spend money that has been loaded onto the card
    • No bank account or credit check required
    • The flat, clear and modest fee structure is lower than traditional payment methods and very competitive with other online payment methods
    • If your card is lost or stolen, we will provide a replacement and transfer your balance (be sure to report it immediately!)
    • Payoneer uses top-of-the-line secure technology and stringent regulations for customer privacy, authentication and identity verification

    How to Apply for A Payonner account?
    You CANNOT apply directly at their website, you have to sign up for a card from their partner website like ODESK.
    To apply from ODESK, just follow the simple steps below:
    1. Of course you need to have an account in Odesk in order to apply for a card in Payoneer.
    2. GO to your account and then to payment method.
    3. You will see different payment methods there, and on their right side, a link where in you can apply to the specific payment method.
    4. Click the sign up link on the right side of Payoneer Debit Card, a new tab/ window will open.
    5. Click the Get Your Prepaid Mastercard now banner. and follow the steps.
    6. After completing the steps, you will be redirected to Odesk page.
    You have to wait before your card is approved and it will be shipped to you on your billing address. It will take 7 days if you are from the US and a month if outside US. Once you received your card, you will have to activate it by logging and hen select your 4 digit PIN number and submit. You will receive an email confirmation about your card activation. After that, you can now use your card.
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    • Profile picture of the author LadyZelda
      Originally Posted by zbrshakeel View Post

      Hey there just found out a solution for it You just have to thank me for it.
      It does not requires even a bank account in any bank
      It is Payoneer.

      Features:
      • Get paid directly to your Payoneer Prepaid MasterCard®
      • Use the card for online and offline purchases, or withdraw cash from an ATM – anywhere that debit MasterCard is accepted.
      • Receive payments in dollars and immediately spend or withdraw funds in local currency
      • Never be overdrawn – you can only spend money that has been loaded onto the card
      • No bank account or credit check required
      • The flat, clear and modest fee structure is lower than traditional payment methods and very competitive with other online payment methods
      • If your card is lost or stolen, we will provide a replacement and transfer your balance (be sure to report it immediately!)
      • Payoneer uses top-of-the-line secure technology and stringent regulations for customer privacy, authentication and identity verification

      How to Apply for A Payonner account?
      You CANNOT apply directly at their website, you have to sign up for a card from their partner website like ODESK.
      To apply from ODESK, just follow the simple steps below:
      1. Of course you need to have an account in Odesk in order to apply for a card in Payoneer.
      2. GO to your account and then to payment method.
      3. You will see different payment methods there, and on their right side, a link where in you can apply to the specific payment method.
      4. Click the sign up link on the right side of Payoneer Debit Card, a new tab/ window will open.
      5. Click the Get Your Prepaid Mastercard now banner. and follow the steps.
      6. After completing the steps, you will be redirected to Odesk page.
      You have to wait before your card is approved and it will be shipped to you on your billing address. It will take 7 days if you are from the US and a month if outside US. Once you received your card, you will have to activate it by logging and hen select your 4 digit PIN number and submit. You will receive an email confirmation about your card activation. After that, you can now use your card.
      There is only one problem with this brilliant plan; the only real way to add money on the card from outside of the US is to work for cash on oDesk.

      I know this because that is the only credit card that i have.

      I know you can Western Union cash to the card but to my understanding it can only be done in the US.

      *PS* And FYO i did tell him about it in my earlier post lol. I just want to help no thanks needed unless he wants to
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  • Profile picture of the author LadyZelda
    Oh yeah i forgot about the debit card thing connected to PayPal lol.
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  • Profile picture of the author builder4580
    Are you a university student? If so check with your college financial services, I don't know about Austria, but in the USA, banks and financial institutions love to get students loaded to the eyeballs with debt! They give student credit cards out like candy (or used to!) Why? Supposedly students are the future money makers, and banks want as much of that money as they can get. Just be extremely careful on how you handle credit.
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  • Profile picture of the author MarketologyTeam
    Originally Posted by MikePfeiffer View Post

    Hey everyone!
    I just moved into my new appartment and just got internet, so today is the first day I can start doing anything regarding IM...

    Now my problem is that I am 19 years old, and I live in Austria, a country where its not really normal for a college / university student to have a credit card. Unfortunately a lot of services (especially ones that require a recurring / monthly payment) require a credit card... is there any alternative?
    I dont have enough money to apply for one (if you want one, they want to see your last three work payment checks etc. so they know you can pay for it)

    all i have is a paypal account, but with a lot of domain hosters I have the problem that they require a CC or an american bank account.

    Any ideas?


    Also I am looking for a method thats easy to implement, I am willing to invest some money, but Im looking for something that can require some work, Im alright with that, but I want something thats hard to fail at. Even if it just generates 200-300 bucks a month, I'd be totally happy to use that money to invest in bigger methods and more domains and advertising etc.

    Thanks a lot!
    I would go with a reloadable VCC (virtual credit card).
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  • Profile picture of the author zabereu
    Well so many posted so many ideas but here`s mine i live in India even here it`s difficult to get a credit card for students like me so i tried online credit cards from sites like entropay or netteller by using these i literally purchased three or four wso`s also so i think it`s a nice idea for people who don`t have credit cards why don`t u try it once. Hope this helps
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  • Profile picture of the author Centurian
    Yeah, just try the PayPal debit card. If that doesn't work try one of the other's mentioned.
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    • Profile picture of the author Tashi Mortier
      Austria? You're not so far away, then

      You don't need to use HostGator or GoDaddy, there are great hosting providers in the German speaking area as well.

      You can always set the country you are targeting in Google Webmaster Tools, so don't worry about that.

      Also, you should be able to just link your PayPal account to your bank account instead of your credit card.

      Feel free to PM me if you've got more questions. I'm from Germany, but I guess most things apply to Austria as well
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  • Profile picture of the author Praveen Kumar
    Hi ,

    I am Found a website that will allow you to create VCC (Virtual Credit Card)
    or you can get a credit card for just $9.99 and the website is EntroPay
    ,

    Don't Forget to Click 'THANKS' Button
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  • Profile picture of the author Michael 999
    I do not own a credit card. I think contact with your college financial services.
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    • Profile picture of the author MikePfeiffer
      Thanks to everyone. Your answers have been overwhelming. I'll look into everything!

      All I am really looking for, is something I can use for online purchases / payments, that cant be done with paypal. So idk if everything you suggested is the right thing for me, but i'll look into it.

      and to the German guy:

      Hey, hab nicht genug posts um dir ne PM zu schicken, aber kannst mir ja mal deine email schicken per PM, dann kann man da weiterreden. Machs gut
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  • Profile picture of the author maxmed
    May be you can use a vcc .
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  • Profile picture of the author naomibatac
    It is nice of you to consider the suggestions of many members. For what I've read, the best is to get a debit credit card. It will not make you go bankrupt and will help build your credit record for future use.
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