I have always wanted to get one in my name, a credit card, but have never tried to apply for one in the bank. Why so, you might ask? Well, there’s a lot of valid reasons I can feed you with, but aside from the biggest reason which is me being born a lazy kid, I simply don’t have the funds that would make me a desirable-enough applicant for a credit card, and so I’ve simply scratched-out the idea of ever applying for one. I’m uncomfortable with rejection, so I pretend I don’t care. 
It seems to work, but only up until I started using PayPal.
Now since PayPal comes into the picture, it becomes a whole different ball game. I start to care all over again, perhaps it is because of the measely $206.00 stuck in my unverified account? How did I manage to get it there in the first place? Well, I never expected that in order to withdraw my PayPal funds into my bank account I would need a credit card to verify my account with first, and so I accepted payments online without knowing what was in store for me eventually.
I was dismayed upon finding out that I could not withdraw my money from PayPal, it took me about a week to recover and learn to blink again. $206.00 might just be pennies, but I need those shiny little pennies! It seemed like hope was fading away in the corners and at rapid speed too. I decided to do something about it..
Research, I bet you expected me to do some. Well, it didn’t take much of it for me to learn about USA Bank Accounts. It’s what they’re called, but you don’t actually go to a real bank in the US in order to open an account with them, you can simply get one online. And what really makes them special is the fact that they automatically give you a debit card along with your account, which can be used to verify PayPal with! I was ecstatic upon finally finding a method in which could actually help me with my dilemma. However, their service is not free. In order to open an account with them, there is a price to pay, but a small one at that. Prices vary from $15-$50, you can pay using Paypal (how ironic), e-gold, moneybookers and other methods. I guess you’d have to be a registered user in either one of the payment processors mentioned in order to pay for that account.
Also, my curiosity got the best of me when I heard about VCCs, or otherwise known as Virtual Credit Cards, and I just had to stick my nose in and see what it was all about for myself. Nice, VCCs can be bought at very low prices, the lowest I’ve seen was at $6. They will provide you with a VCC number, as well as the expanded use number needed (after you’ve added the card in your PayPal account) after 12 hours. VCCs are starting to look very attractive to me already, however I would have to wait until I get enough money in my newly formulated e-gold account (which has nothing in it so far) just so I can finally buy myself one. 
My quest continues…
