[hugocaracoll]

About the pseudo credit card, in Portugal (where I'm from) we have a system called mbnet [1] where any portuguese bank account owner may create a temporary credit card. I usually use it for buying things online. This card has some security restrictions: you can specify if it's going to be used for 1 or more transactions and the top amount of the transaction. It works pretty well.

[1] https://www.mbnet.pt/