You don’t need to have a credit card to use Roku. You can remove it from your account. The Disney bundle your speaking of is only $14.99/month. Not sure what you signed up for. If you don’t want it then cancel it. Disney also removed the free trial months ago
I understand you were billed for a Disney, Hulu, ESPN package for $70. To get a bit more information on this I'm going to be sending you a direct message here on Roku Community. Please keep on a lookout in your inbox for a message so I can assist you further!