All right, my situation isnt very good for buying seeds from a good bank

1) Living in the U.S. and not California
2) Almost nobody i know has a credit card, and none of them want to order using it for fear of a problem with customs.

I've already tried getting a gift card visa, it doesnt work because there is no name on it. Nirvana and all the big sites wont accept it.

Questions:
1) I plan to grow outdoors, if i just get bagseed off of some of my best dope, will it grow well (assuming i know what im doing)
2) How can i get around not having a credit card