Why do you NEED to use a credit card? Red flag, bad habits hard to break. There's a high interest rate, and probably a charge, but my credit cards have a cash feature - just stick in any ATM. Not recommending it, better to save up the cash, but it will BROADEN your choices greatly. What ML's don't like is massage ONLY, the NHJ is the basic extra.

Here was how I started in Sydney. Perhaps not the best way, but it worked for me, starting small and working up.

http://www.aus99forum.com/showthread...cs-by-a-Newbie