I don't have either a credit card or paypal account so is it possible for me to just use a visa/ debit card or something?
Absolutely..I use my debit card through my bank for everything on Xbox..it makes everything so much easier =)
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Yes your debit card wil work fine!
Your Debit card will work just like a credit card, as long as you have the funds available in your bank account.
Yes, you can use a Visa debit card on your account.