slightly off subject......if you don't want to have a credit card,but still want to pay for stuff off the internet,why not change your bank account.
i have my current account with abbey national,which uses visa instead of switch for its current account,which means i have the convience of a credit card without actually having a credit card,if i but a film then the money conmes straight out my current account.
it's really easy to change bank accounts,you go in and sign a form....it only takes about 20 mins.
ps....i don't work for abbey national(even though it might sound like it)