I need a credit card.
Most debit cards can be used for hotels and car rentals mate. Debit cards from banks definitely can be used for all those you mentioned.
I always pay for hotels with a debit card. That wouldn't work for car rentals in most places I've been. They don't know if a debit card has enough money to pay for their rapeage. With a credit card they can help themselves guaranteed.
Just look into getting a loan OP, or get a virtual card provider. Don't think there are any services you are talking about.