Not sure if anybody else has any issues with anonymity in credit card use to pay for TER membership,. but I just discovered (and, given my track record, I may be the very last guy on here to do so) that you can pay for TER VIP membership with a gift card from Target, Walmart and other stores.  

You can wander into the store, buy it with cash, then you go through PayGarden to sign the value of the card over an presto - you're in. You'll find it at the very bottom of the pay options.

For those of us who don't hobby enough to be able to post enough reviews to keep the VIP up to date - and who have a reason for not wanting TER membership to be on a credit card-  it's a great option