While you wait for your reply from Etsy admin *snort*
I dont have a credit card set up on all my shops. (some do, some dont) but I do have paypal. U can pay for your etsy fees with PP so I just use PP whichI have set up with my bank account and a credti card as backup if I dont have money IN the PP account. So long story short I dont think u NEED a credit card on either ur PP or Etsy account.