i do not use a credit card, i have a debit card though, i use it in the same way one would use a credit card the only difference is the money comes straight out of my bank account so if there is no money in the account the card is declined. it is a far safer way to prevent getting into debt as you don't get a big bill at the end of the month.

i don't know about mc afee but paypal definitely accept debit cards.