Alternate methods to pay for subs?

[Ilitsa]

Not sure if you're a child or what, but you can't get far in the US w/o a credit card so when you grow up you'll need to get one. In fact, the longer you wait, the worse off you'll be. No credit is actually worse than below average credit. Not sure why you like to have hotels and gas stations place large $200-$500 hold on your card instead, but good luck trying to buy a house. You're only hurting yourself.

OP said s/he refuses to -use- one, not necessarily that they don't have any. I refuse to use mine for anything except the bare base needs or absolute emergencies. Nothing wrong with not using one for every day simple purchases or online shopping.

@OP: That said, I'd suggest using a pre-paid, or if SE doesn't allow that, you can use prepaid to buy a time card from Gamestop.com Here, keep in mind that this method, they ship the actual card, so you'd need to buy ahead of time to get it before your sub runs out.