Thanks for all the input! After going to sleep only after 12, I got frustrated and got the Ebay 12 months subscription. It is not a voucher, but you create a new login email address and send it to the guy and he then sets it up and you get a confirmation from Netflix. He then advises you, once he's loaded the 12 months, to change your password. I am hoping all goes well. He is also selling Hulu and I'm considering getting that from him. Just want to test the waters first. The one thing that was a bit of a problem, he is from Brazil, and it was the Brazil access that he gave me. I didn't know at first, and entered Netflix with Unotelly set to the USA, so netflix advised me that I am now in another region and my subscription will be moved to that country, meaning USA.
So I have full USA viewing, but with a Brazil access. Will see how it pans out

But in the meantime I'll get a credit card from one of the other banks. Tired of struggling lol. Thanks again guys.