I'm trying to put together a wardrobe too and I buy everything on eBay. But then I don't leave the house much and I also sell on eBay but just until the third and no more listing there. They eat you up in fees.
Today I got a hobby horse leather zip it vest the site was out of in my size. It was on sale for $59.00 at the site, and I paid $21.00 for the used one at eBay in my size. But I understand what you mean about no credit card. Good lick in your search!!~!!