The reason being why have have not bough S2 is because I needed a major pc upgrade from my old..
The last thing I need now is a decend graphics card and some ram

But, not being a big fan of credit cards are there any other means possible to pay for s2 licence?

Paypal

Quote from www.liveforspeed.net :

The payment methods we accept are credit card (VISA, Mastercard and UK debit cards), PayPal, Moneybookers, UK cheque and international Money Order.