you don't have to have a credit card to make money. How much time you put into offers and other free items on this site is how much money you will make. You can make good money by just doing the little daily things or you can make alot of money by investing more time on alot of the surveys and special offer page again without a credit card. If you have to use a credit card it is only a good site to make money if you would purchase that product anyway otherwise stay away from those.