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You can always go and buy a visa gift card or something similar, and use that to buy stuff in place of an actual credit card! It's how I work around not having one, it also just means you'll usually have to pay an activation fee and will likely have a little bit left over since these cards usually come in increments of $50 or $25

God... I just have to say, what incredible read.  The whole thing took me days to complete with several hours per session. I won't spoil anything, this is way too fucking good to do that.
However, I will mention one thing. If you are playing this for the first time, DO JENNA'S ROUTE LAST, I highly recommend it. My personal opinion on what order the routes should be done in is as follows:
Carl, TJ, Flynn, Leo, (Side Stories in the Gallery, accessed by clicking on the lake in the title screen, then the phone on the right side at the bottom. Scroll down to the bottom to find all the Side Stories.) And then lastly, Jenna's route.
It doesn't quite matter what order you do the other 4 routes in, but at the very least I recommend doing Leo's route second to last, and then do the side stories before finishing off with Jenna's route.
Like I said, I'm not going to spoil anything, but there is a very good reason that Jenna's route should be done as the very last route. Several story aspects that I cannot mention without spoiling anything, so just take my word for it.

Also, all routes except TJ's and Flynn's have multiple endings. I would suggest doing both endings for each route before advancing to the next.

Whenever I open this game, it decides to open SteamVR, and if I try closing SteamVR it closes the game. Why? This doesn't appear to be a VR game.

Edit: There also seems to be a bug where you can't turn infinitely in one direction. At some point your camera just stops. Really takes out the immersion

Morshu's Hat shows the wrong select icon in the list

V-Sync can't be enabled, turning it on does nothing and when I restart the game it appears to have unchecked the checkbox