As far as I personally know, NO you do not have to have a credit card to get a PayPal account. Having a credit card is good but is not necessary.
I live in a country where PP is not yet supported then how come I know the answer?
Lot of users in this site wanted to know the answer so I did some research and found that users can verify their account either by linking their Bank Account to their PP account or via adding a Credit Card or Debit Card.
If you want to increase the credit limit in your account, then you can consider adding a credit/debit card.
So basically, if you are a freelancer and want to use PayPal to withdraw your money to your bank account, then I guess you do not have to worry about adding any credit card or debit cards.
I saw somewhere that if you want to upgrade your account to Business, then you will need to card a credit/debit card.
The best solution is to go to PayPal website and open an account: you will come to know all the details while registering there : )
What if I don’t have a Bank Account?
Then why would anyone want to use PayPal in the first place? : )
How will you withdraw your money or upload any funds?
I tell people to use PayPal for withdrawing their money from freelancing sites: this is only possible if you have a Bank Account.
Verifying your account via linking your Bank Account or Credit/Debit card is very important and is a must requirement.
Please note that I have collected all this information via reading different resources: some of this information may not be 100% correct: to get 100% correct answers you will need to contact the Official PayPal support.
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abid
i need this job. pls reply me as soon as possible