Regarding the credit card issue: the larger question is, why SHOULD one be required? There ARE alternate means of payment (e.g., Paypal) after all. I think his complaint is legitimate.
since I'm on a roll with b1tch1ng, I figured I'd also complain that the device, which is brand new, wasn't up to date with firmware already, but of course it'll cost GB£6 (US$10 ?) unlike TomTom who promise that brand new devices will get latest map upgrade within 30 days, there's no such mercy with Apple iPod touch. So, I had to, er, find an alternative update process ;-)