I'm not exactly sure where you are in the process now, but you can create an account without a CC at https://my.roku.com/signup/nocc . I thought there was a way to skip the step to enter a CC during the normal account setup. You can also remove any payment method at any time.
If your Roku seems to be stuck waiting for something, try unplugging the power for a few seconds and plug it back in. If that doesn't work, try a factory reset using the reset button.
How do I factory reset my Roku® streaming device? | Official Roku Support
You have to have a Roku account, but you don't have to have a payment method attached to your Roku account.
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