I guess it's a real one down here, not going to change banks anytime soon since it's covered all my needs for the last 10+ years. It's expiring in August though, i suppose i'm not getting a chance to change it to sth more useful?
Just sign up for a Visa or a Mastercard. Dunno how it differs between a debit card in Estonia, but here the only thing with a creditcard is that you have to pay a couple bucks a year or something, but you can do everything with it, including signing up for a paypal etc. That said, no, I don't have a credit card.