I have no interest in keeping a broken watch as someone above was asking... I have been working on this issue from 2 different angles at the same time.
Plan A was to get the watch repaired by Apple Care. Im running into multiple problems in attempting to execute this plan. The biggest problem here is that all the Apple Care systems are set up with the assumption that the customer has a credit card. If I had a credit card the watch would definitely be fixed by now. As I said before I do not have a credit card by choice because they are a total scam! Just think about how much more money you would have from each pay check if none of it went to a bank! Enough said! I have now been working with Apple Care for a week with no verifiable progress. On Monday Im expecting a call back from an Apple Care Specialist who claims that he can somehow get me a repaired watch by Wednesday. Im not holding my breath as I have been told this several times already with no luck. The Apple Care department is a FOUNTAIN of conflicting information. The point that they keep stressing is that the watch is new product with all new processes. Thats a nice explanation but its not very helpful...
Plan B is to purchase a replacement watch. As of now this plan is cheaper, simpler and maybe faster. I will end up with 2 watches but it is cheaper (unless the specialist comes up with some magic on Monday). Im really sick of talking endlessly to Apple Care on the phone. So a quick and easy fix like this purchase option has a ton of appeal for that reason as well.
Hmm.. Okay. First off (Bold item 1) You do not need a credit card to use Apple Care. If you have Applecare+ it would cost you less than $100 for a replacement watch. 2) Out of warranty replacement is $329, again no credit card required.
Second (Bold item 2) I'm not sure where you have received your information on credit cards being "scams" but it seems that your point is so you don't have to pay off your card from your paycheck. Well using your debit card is the same exact thing. Instead of paying the bank at a later time, you are taking the money out of your account right away.
One needs a credit card in order to build credit for the future, to purchase a house or a car, unless you make serious money and can pay for everything in cash. If you used a credit card, you would be able to get a replacement for free because the majority of credit card companies offer 90 day accidental damage protection. Additionally, most credit cards offer rewards which is a win, not a scam.
But hey to each their own, but I just feel like you have many misconceptions about AppleCare & credit cards.