It is not a problem if you do not own a credit card.
You can still purchase what you need from us by using any of the other payment methods listed in the knowledgebase.
It is your responcibility to ensure at all times that your payment reached us and the funds are cleared before the payment are due.
Any account that do not have cleared funds by the due date will be suspended and a re-activation fee will be charged.
The best option is to open a paypal account and fund the paypal account from your banking account.
That way you will always be sure your payment reaches us in time.