Whats the easiest way to buy crypto with a credit card and no KYC in 2026? Most options I find are dead or require ID now

Ive been trying to buy crypto without going through full kyc verification for a few weeks now and honestly its getting frustrating. Every guide I find online recommends the same stuff, bisq, robosats, atms, but none of those work for my situation

Bisq needs you to already have bitcoin to start trading. Robosats is lightning only and the learning curve is steep. Bitcoin atms near me charge 12 percent fees which is insane and most of them require id now anyway

All i want is to pay with my debit card or apple pay and get btc or usdc sent to my wallet without uploading my passport and taking a selfie. I dont need full anonymity i just dont want my documents sitting on some exchange server waiting to get leaked

I know most big exchanges require kyc now but there has to be something that works for smaller amounts. Is anyone actually buying crypto with a card in 2026 without full verification or is that completely dead

Real experiences only please, not just links to articles listing exchanges that changed their policies 2 years ago