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You have to get good before you get fast.I get asked a lot "how do you do it?", I tell them "it's a habit".
Yes to both questions.
you can get a 12 month card at target or best buy or anywhere really, but target and best buy for sure. and yes you need a credit card to activate them.
When i used my free 1 month trial i didnt need a credit card and when i extended it to 1 year it didnt ask me either.