Any person over 21 years old who says he doesn't have a CC is lying or he needs to get one...
You can always hire someone who has a place to host and if he doesn't just move on to the next ad.
For God sakes, talking about making life complicated... get a room at a Travelodge, meet the guy, say goodbye to him after or ask him to get a room, go to HIS room, pay him the night charge and his fee, and leave.