SE doesn't want my money

[Wildsprite]

Still doesn't change the fact that OP really should have, at this point in his/her life a debit card. I literally have never met someone over the age of 16 without one.

fun fact: not all banks offer debit visa or debit mastercard, even in todays world. the OP probably has a debit card just not one usable as a credit card

do note though some people don't want a debit card that can be used as a credit card because they don't trust them(this could be the case of the OP) and believe it or not most banks still offer non cc debit cards if you ask for them.