If all you have is a credit card and are planning on using it to "finance" your grow than consider a paypal account that is funded from your line of credit. Than explore ebay, ubid and overstock (all are .com). you can also get counter checks that debit the credit card at a higher intrest rate but work anywhere that accepts checks. If your in the USA or Canada, check out craigslist.com and click on your city or state. These are private people selling things. Some people will take a check if you meet them at the bank where they can cash it. You can also get a pin number for the card and draw cash at the atm. It'll cost you alot in charges though. As far as seeds, I dont know where to order them w/ a credit card. Hope this helps.