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If you're old enough, setup a checking account. They usually give you a debit card with a credit card kinda built-in (like my Wachovia debit card has a Visa built-in to it). And then you can buy tracks off of beatport.
Other than that, find your local record shop and check and see if they have a cd section.
And if all else fails, illegal is always an option, just make sure you get at LEAST 192kbps tracks.
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