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Discord checks the card by charging $1 and then immediately refunding it, so, if you don't have a card at hand that you're able to... r/discordapp
If you want Discord Nitro completely free, without a virtual card, without a bank account, and without worry:
: Highly recommended for free trials. You can create "Single-Use" or "Merchant-Locked" cards and set a $1 spending limit
I didn't have a credit card either for the longest time, ended up getting myself a revolut account a few months ago. Free, easy to... MasterCard