Actually there are other payment methods available. Upon the purchase screen you should see an option to make the purchase through Paypal. Also, you can mail in a check or money order to "Chess.com, PO Box 60400, Palo Alto, CA 94306 USA" including a note with your username and what you are purchasing.
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why the hell do we hav 2 pay only wuth credit cards 2 upgrade account? i mean could you find other paying methods? thx