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^ I have my own credit card, but I don't use it to buy CD's online.
All my J-pop CD purchases have been from a local store, that gets stuff imported from Japan / Taiwan / Hong Kong (Taiwan and HK for Overseas Versions).
It's very convenient I find, and it's only a 15 minute drive from my place. But the selection and variety is limited, and they only have stuff from popular and well known artists, and only a few singles and albums from lesser-known artists.
They don't sell any UVERworld singles or albums, sadly! *cries*.
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