If you live somewhere with consumer rights, by law you can return it no questions asked within 14 days of receipt (actual length of time may vary, UK is 14 days)

The UK has building societies which sound like what you’re describing

“The result means a clause will be added to the constitution defining EU accession as a goal, though the country’s potential admission to the European bloc is still many years away.”

I’d never signed a credit or debit card in my life until I travelled to the US last year, and then I only did it because I’d heard stories of places confiscating cards if they weren’t signed. Don’t know how true they are now but I wasn’t risking it.