As far as I know you don't need a credit card to register. I certainly didn't. And I have seen someone claiming last year, and then I tested, and created myself a 2nd account, and again I did not need a credit card. I have not tested again now...
But you may have to pay attention to detail, the "personal account" option may be somewhere in grey. Also, I can only test from my location, and maybe the have country based rules.
---EDIT:
I googled, it says its a risk base decision. If your IP, your location, your email domain, your browser, ... are all on "high risk" lists then you may be asked.
I usually use Firefox, but Chrome may be the better choice. Then at least your browser may not be adding to the risk level. Same about email providers, I don't know yours, but there are a few providers that are often considered high spam risks (I am not sure, I think we have or had e.g. proton on our list for this forum once).