Hi I've been wanting to buy myself a upgrade but a little nervous to after I couldn't the last time which was about a year or so ago. I use to use those prepaid cards and it use to work but last time I couldn't because you had to have pay pal. Was wondering if you can only buy upgrades and such through PayPal or if there are other ways to buy them.

I don't have a bank card, mom always told me the less plastic in your wallet the better you will be.

Copied right from the premium upgrade purchase area:

How To Purchase Without A Credit Card You can frequently purchase upgrades with Eden Bucks in the forum. Our generous members will buy the upgrade for you in exchange for Eden Bucks. This is found in the Upgrade Sales part of the forum, and typically they go for 130K-150K Eden Bucks.

Visa/Mastercard Prepaid Gift Cards also work with Paypal if you register them with the card provider and have an american home address.

To register your card, follow the instructions on the back of the card, or the card's packaging, and enter your information. This would be the same name, address, etc that you will provide to Paypal so they can verify that you own the card.
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Also, if you click on the buy/ purchase button, it takes you to PayPal, but there's an option to buy through PayPal, without a PayPal account or whatever. You just submit your CC info.
Though you'd need a credit card for that. Not sure if a prepaid will work there. I suppose it could'nt hurt to try (what's the worst it could do, actually work? Or not work and nothing will happen). I am a bit curious as to the reasoning behind your mother's philosophy though.
I hope this helped!

Also, if you're looking to buy ones from members, you'll see advertisements almost all the time (especially before/after RO) in the sales chat. And then of course, as previously mentioned, the forums.