I bought a Roku Ultra at Best Buy.  I tried to install it, but I came to a page asking for a Credit card.  I didn't see a way to close that page (like checking the "x"). I closed the installation, and started over. I came to the same point. I ended up putting my credit card in.  I am thinking about signing up for SlingTV.  So, maybe I will need the credit card in the account for that anyway.   This may end up being a "moot point" to hassle over.