Hi Manu!
In Hungary, there is a very clever bank service, which no needs to have a valid Credit Card.
If you have a bank account, you can get a virtual online paycard for that account. This means, you get a valid card (not a credit card really, because you cannot shop with it in a supermarket) and got a code for it. If you want to buy something on the net, you must transfer the money from your main account to this virtual card account, and you can use it as a valid card for online shopping. This way you can shop and do not need to worry about gangsters who stole your money from the credit card online.
I guess there are similar services in Germany too
