I do in fact have this problem. Not working so no credit card any more. However, one of those Visa gift cards works for the pledge. Which is what I did. Just have to remember to go to the website listed on the card to register it with your name and address and what not. That or you can go to the bank and get one of those pre-paid credit cards or what ever they are called and but what ever amount of money you want on the card.