I've just got this idea I may try to take a patent out of and then sell to a bank.
People who do not have credit cards(minors, people with bad credit rating, people who do not agree with Credit cards etc) who wish to buy something online or via telephone can go to the bank purchase a special shall we call it 'deposit card' where they have deposited money into the bank against it, when they try to purchase something on-line, the 'deposit card' number is the number that the verification is done against, the credit limit would be the value of the 'deposit' against the card, this would allow people without credit to purchase things on-line.
I truly am a genius.
Yerss this would solve your problem, however, by the time I get this all sorted out, you will probably have been in full-time employment for some years and have your own credit cards.