Ok, so how to get a bitcoin (well 0.1 btc for me now that they are 10x as expensive as last time I looked) in a practical way without credit card?
In Canada, http://cavirtex.com or https://vaultofsatoshi.com/
If you are in Europe, http://bitcoin.de , http://bitcoin-central.net , https://www.bitstamp.net/
If you are anywhere, check out your local Bitcoin meetup group.
Took me about 30 mins total from wanting to buy to having my order placed.
(If you use NAB it will be even faster, I had to make a cash deposit at an NAB)