it might sound silly but a prepaid credit card might do the trick if you get around to clearing your credit card debt. they are available over the net. they look like a credit card and can be used like a credit card, ie at atm machines, over the net, over the phone and at pos terminals but they have no credit limit. you have to lodge funds to it and that will be your limit. it is like a laser card but works on the visa or mastercard platform. they are way better than the 3v voucher. at least it is an actual plastic card that you can hold in your hand.
Alex.