Regarding payments that only require credit card. Warning bells and red flags are going off right now. There should never be a legitimate bill that will only accept credit card as payment. I am sitting here right now incredibly incredibly suspicious. If you are referring to online or over the phone shopping you might want to evaluate your reasons to do so. IF you find that doing so is in fact necessary then I recommend you obtaining a reloadable credit card. You are best to obtain one from the post office as that is usually where you will get the best rate.