> Easier for people in the USA might be credit cards, but those are issued only if you have a credit rating at all and the rating is good Debit cards are effec

> Easier for people in the USA might be credit cards, but those are issued only if you have a credit rating at all and the rating is good Debit cards are effectively the same as credit cards for this purpose, paying for things online. Many (if not most) banks and credit unions in the USA will issue you a free debit card upon opening an account, some without even needing to put any money into the account.