Nowadays, not having a credit card can make your life a living hell. When you want to buy an item on EBay, set up a PayPal account, pay a bill, get a subscription to a magazine or join an online gaming site you'll need a credit card. If you'd like to use many new services you'll often find that you need to have a Visa, MasterCard, Discover, or American Express credit cards. Do you have bad credit? Or you have no credit at all?

Some of the possible reasons why you don't like the idea of having credit cards might be because you don't trust the server, the service, the company or the process of paying online. I recently learnt that you can have a temporary credit card if you don't want to get a regular one. You can purchase such card as a gift for someone or just buy it for yourself. You can put a certain amount of money on the card and use it as it was a long-term card. The best thing about these temporary credit cards is that with them you can pay for a one-time service or product. You enter your credit card number when you sing up for services, memberships or subscriptions and they charge your card.

When you don't want to get subscribed for a year but a just a month or two, then paying with temporary credit card is better as you won't have to unsubscribe from the service, your credit card will expire and you won't be buries under thousands of fees. In case you haven't had a credit card so far but you need one in order to build a line of credit, you should know that the temporary credit card won't do. What you need instead is a long-term credit card. You can establish credit with by putting money on it.

You should be very careful when you give out a few hundred dollar increments. Make sure that the company is reliable, check it against the Better Business Bureau, read all of the fine print and don't forget to get everything in writing before you put your signature. At the moment I have a regular credit card and a temporary one. I paid to open a long-term card and I put three hundred dollars on it. It was a good sum to begin with as I had no previous experience with credit cards. I also got a temporary card as I wanted to use it to pay for one-time services. Apart from that, in case my other cards are empty and I want to visit a payable site, I can use this card without worrying that my long-term card may be charged for eternity.