Ok I want to buy credits but to make a long story short, my bank sucks and I do not have my debit card. I'd like to be able to get my credits tonight. Is there any option on the list of payment choices on the Lusternia credit purchase site that will let me get my credits that quickly?

Have someone else buy it for you? You'll want someone who trusts you of course.

Don't think I know anyone here that I could work that out with.

Well, you can use Bank transfer under "Other Payment options" in the menu where you choose how many credits you buy for what character, but it usually takes a while. At least for me, but that might be because I am at the other side of the world.