Debit card =/= credit card
Only people who have proper job can have a credit card, main purpose of a credit card is to make it easier to spend more than you actually earn, that way banks effectively enslave people and whole countries
Debit card is just like a credit card but for jobless and those who don't want to risk their salary (and more). You go to the bank, ask for internet debit card or whatever they call it in that particular bank. Sign some papers, they open bank account for you (which isn't tied to your salary, it is empty at first, before you actually deposit euros to that account). After a week (in Serbia) or less they will call you to pick up your debit card which you can use to pay for stuff over the internet, where PayPal isn't available. That account should be free to open and there shouldn't be any hidden expenses over time. Debit cards lasts between 2 and 5 years, before you have to renew it.
Must say that I expected EU master race to know about these things