No you don’t need a credit card. You can open a paypal account and get them to take the money directly out of your bank account.
That is how paypal works also.
Ebay, well you go and look at items that are of interest to you, if you decide that you want that product, then you can watch the item until it gets closer to the ending day of the auction and then when there is not much time left (say 2 min.) go in and make your bid. Don’t put a bid in right away. Wait until the last minutes of the auction. Good Luck.
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"Paypal – Ebay? How Does It Work, Do I Need A Credit Card Or Are There Other Ways Of Paying?" was posted on Sunday, February 28th, 2010 at 10:39 am.

Paypal I am happy with. Very safe for buyers, not so safe for sellers, as there is always ‘fraudulent’ buyers that claim having not received the goods when in fact they have, so this mean chargeback.
Ebay, honestly for buyers great, you can find nearly anything, anywhere, cheap, but for sellers it is rather a nightmare. I have been powerseller with over 5000 ratings and now I stopped selling. There will be always someone reporting your ads (competitors of course) or eBay somehow will always find something quite not right with your adverts and stop them.
Ways of paying:
If you are a seller and need to pay your eBay fees this can be done via Paypal or bank transfer, cheque (depending on your country) If you are a buyer and need to pay the seller, then usually terms are clearly described on the sale page.
As long as you have a bank account, you can use either credit or debit card.
You have to register with PayPal of course, then simply follow the on-screen instructions. It`s safe – millions of people use it.