I used the web wallet option which only required Email confirmation then I found a Bitcoin seller that took paypal and only asked for phone verification ordered my bitcoins in my case I bought like .025 which is a quarter of a bit coin more than enough buy and anydvd HD license with with about $40.00still left in my bitcoin account.
The market flucuates every day on the Bitcoin market do not buy anymore than needed to take care of your imediate online transactions is the best option for most.
I ran into the Visa problem also so that is how I solved the problem.
I started out looking for sellers in my area and both wanted to meet with me bringing cash (no thanks). I found your other post and I liked what I saw (Bitcoin Ranger). I'm not endorsing them but I liked the idea that I could use plastic or Paypal as an initial funding source. Given the problems I had using my debit card, if I had to do it over again, I'd use your route.