I've been using film sites since 2006/7. I've seen it all. This site has a lot of really good features (your own wall and profile, messaging, points system, chat, find a random film, suggest improvements, search by IMDB, etc) but MOST importantly, it treats its members like a part of the organisation, rather than like slaves (other sites do compromise and abuse their members). It is a free site. I also have found that another site with the initials PW has become a cesspool for racism and hatred and uses members CPUs with popout windows through JavaScript to mine crypto currency without consent! Two-movies remains current and valid and an enjoyable and humane experience without berating or abusing it's members. I highly recommend it. Spread the word!
Answer: A Credit card not required. If a server asks for it,... just back out of it and choose another. A few of those creep in now and then. Report it.