Help ?

[#1]

why do i need a credit card to buy of android market ?

[suze]

It doesn't necessarily have to be a credit card, you can set the account up with a Visa Electron debit card.  This is google checkouts page on Payment Methods. 

https://checkout.google.com/support/bin/answer.py?answer=105916&cbid=-16mqas8uls9rv&src=cb&lev=%20in...

There are also thousands of free apps, or free lite apps of the pay for applications.