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of course you can use a credit card in ghana. If you want a genuine card to use online, the first thing you should do is go to any branch of GT bank. Tel them you want to register for a savings account. This are the things you will need to register for the savings account

  1. 2 passport pictures

2.a national id card eg. voters id,national health insurance,etc

3.A utility bill which is at least 3 months old.

Then register for the account and sign up for their visa card. you can also get master card if you want but the normal visa card is rhe credit card which will enable you to buy anything online