Did you read about verifying your account? Verifying your account only takes a couple minutes and may help you get higher bids for your auctions. If you go to your main page on the left side to "about verification" and verify your phone number; I don't think you really need to verify a credit card account number but that part is up to you. I hope this helps you. If I can help please let me know and I will try. I learn as I go and I am still learning some stuff. Thank you.