I didn't have live nor a credit card.
But I bought Live with Halo2, and easily got a visa. (Which I thought I had no chance of getting...

) (I also bought HL2 via steam with it and played it the hour after it was released

)
It is very awsome!

Until I pick up a long enough cable though, I have to disconect the modem and drag it over to the other port and have a wire going straight through the center of the lounge room... but its totally worth it.
I've only been on twice, but it is still heaps kewl. Check out my stats at Bungie.net, GamerTag: Grug85
You guys should try and set it up, that way we can go around together and whoop butt!

(Maybe even start a HLP clan

)