<prompt> Human: Im a young man. I really dont want to get a credit card and currently pay for Visa Gift Cards to pay my bills each month, but am getting tired of paying the 6 activation fee every month for the cards.What do you guys and gals suggest for a young man living on the east coast of the US? Are there cheaper methods out there to pay my bills? I cant really ask my parents, because they refuse to use credit cards and debit cards and drive around paying shit in person or send out money orders. I just want to pay online, but not pay 6 extra every month.  <response>: Just get a bank account and a debit card like most people 