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But to answer, without auction house, it is like doing marathon without legs.
Yeah its possible, but you will feel it a chore and that everyone else is better than you by miles.
CC is not mandatory, you can use prepaid credit cards or gift cards
You can get 3x3 over time, but it's really difficult to get any kind of weaker 4x3 and 5x3 just isn't happening.
Don't you have debit cards available either?
These restrictions were tightened couple of months ago, applying to new accounts.(new in Lost Ark) I have started to see this matter pop up here as I guess new players are encountering these restrictions.