First off- Do you want to have your own website? If you do then you really need a credit card.
My suggestion is that you have to learn the ways of getting traffic first. In a way, create a blogspot or wordpress.com account and create a blog. There are so many ways to get traffic and too many resources in the web. Search for them and find the one that works.
There are losts of resources such as
2. Problogger (for bloggers)