Take it from someone who does alot of business on ebay....You DO NOT have to have a credit card to sign up for ebay. I repeat, DO NOT. Now as to what happens to you, Sellers can no longer leave negative feedback. They can however leave you something called an unpaid item strike. 3 unpaid item strikes and your account is suspended. That's how it works. I would suggest getting the money, and paying via money order. That's what I do. I have a paypal account but very seldom use it.