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You only need a credit card if you want to register the Nook which allows you to buy from Barnes and Noble directly on the Nook. You can load e-books from free sites like Gutenberg, library books, and books you buy from other sites without registering the Nook. Anywhere you can get an epub book without a credit card, such as Borders.com where you can use PayPal I believe, you can obtain books which you can load and read on your Nook. You just cannot buy directly from the device without a B&N account.
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