If you don't have a credit card, do you use Visa gift cards when you need a credit card to make a purchase? Do they work the same way? I would think that it would, since it's Visa, but I'm not sure. I have a credit card (but I don't like to use them). I also have a bank card that generally works just fine too, wherever you can use Visa. Someone I know does not have either and likes to shop online. While gift cards might work, I've always heard that they charge a lot in fees to use them. Doesn't that use up the balance quickly? I think it would be more affordable to go ahead and get the bank card instead. Some people don't like them though. I'm not sure what other alternatives there are if they don't want a credit card, bank card, or gift card. Any suggestions?