sorry not really answering your question- but could you get a paypal account? They are pretty good if you don't have a credit card.
ps. spf 100??! is that actually real...ie. any different from spf 30+? I know that in australia, sunscreen isn't allowed to be advertised/labelled as more than 30 (that's why they all say 30+) but they may actually have a quite higher spf rating.