Oh, I know! I'm from NZ and I am really anti the idea of getting a credit card, I have enough debt to deal with already - so I can't have a paid LJ or any of that fun stuff (ironically, there are solutions if you're in the US - things like paypal, I think, can be run through eftpos cards and so forth - just not outside it!) I used the exampke deliberately to point out how ridiculous an idea it would be. :P