Lol yeah it takes a cc but if you got money just go to Walmart and buy a money pack card/order online. As far as the hair line you can see at the very base of it where it is going bald(like a mouse eating a piece of cheese)... if you look up in the vertex I can see very small parts of the scalp even with your hair combed back. Don't be in denial you are part of the bald club. It looks more or less the same. I pray you will just get you some meds and move on... you have caught it extremely early. Good-night man - it is not the end of the world you can stop if it you choose to ; but honestly being bald isn't that big of a deal. Second opinions are welcome but this is a pretty open-shut case.