Second: Since the (sorry, I have not memorized the form number) form that you fill out to purchase a firearm asks SPECIFICALLY "Are you the actual buyer of this firearm?" your uncle would have to lie on a federal form to purchase it for you. Doesn't sound legal to me.
I think this is where people are getting confused and thinking its a straw purchase.The uncle isnt lieing on the 4473, because he isnt even filling one out, the nephew is, because its his gun, that he is buying.When the uncle simply tyes in his CC # online to to order the gun to be shipped to the local FFL, he isnt filling out a 4473, or any other BATFE/Govt form, whatsoever (so he isnt lying by saying he is not tha "actual buyer", as he isnt even being asked the question/ filling out the form).When the gun arrives at the local ffl, the nephew/OP fills out the 4473, thruthfully (because he IS the actual buyer, he IS NOT acquiring it for anyone else, he's acquiring it for himself, so he is answering the 4473 question honestly), and walks away with HIS gun.No lies on forms, no strw purchase, nada.Seems totally legit to me.Nobody lied on ANY forms, or to anyone at all for that matter, and the OP gets his gun.
That said, in this day and age, you really do almost need a debit/credit/something card to do most things with much convieniance at all, especially anything online, so I'd just get a bank account with a debit card to use anyway.