Is there a real alternative to the Credit Card phenomena ? In my present socio-economic circumstance that is without officially recognised employment status I do not qualify for one these beasts ! I am selling various kinds of objects & paraphenalia thru newspaper ads etc., but don't have a business /business name as my profit margins are small. I am working almost completely outside the system. This means that although I would dearly love to trade on the web, the ability to gain a credit card is impossible. I wish there existed a netbank service that allowed people like me to accumulate income gained thru trading but would only allow real credit to be obtainable to me once I had qualified for it, i.e. had a certain amount in the account. Such an institution would have to have a financially recognised status in order for Pay-pal or others to connect thru its operations etc.