I just want to clear something out , the first Apple rep I talked to , told me it was ok to use a debit card ( I know it says no debit cards on the upgrade program page) but I do not have a credit card , so I asked him if it was ok to use a debit card and what he said is that 90% of debit cards can be used as credit so yes I would be able to use my visa debit card as long as it can be used as credit ( and it can) but now I am hearing that it has to be a credit card . I'm just so confused