Zee,
I didn't have to provide a CC go get Roku account. I got dinged by the same process that Quatro Pete linked to right before your post. That is exactly what happened to me. The odd thing is that I was creating my account exactly like Roku wanted. I installed the Stick+, powered through a USB port, put batteries in the remote and turned on the TV tuned the proper HDMI port. Roku came up immediately and I started following the Roku instructions for creating an account. The second step was to enter the four character code/PW that was on the screen. I couldn't get the four character code to work to allow me to go any further. That's how the, I'll call him fake, Roku tech became involved via a chat icon. He even identified himself as a Roku technician. How they knew of my troubles I don't understand since I went to the website published in their startup guide, "Roku.com/Link".
Have you got your Roku all up and running now? From what I understand, and it's talked about right on Roku's website (link below), Roku requires you to create a Roku account and provide a payment method (credit card or PayPal account) or the Roku device will not fully setup and work with Roku. From the link below:
"When you activate your Roku streaming device, it must be linked to a Roku account. If you do not already have an account, you will be asked to create one. There are no fees associated with creating a Roku account, but you will be asked to provide a payment method, e.g. credit card. "
https://support.roku.com/article/115004382968-do-i-need-to-create-a-roku-account-