Hmm, I don't think you need a credit card on file. You can select "None" as your payment method. This should allow you to download anything that's free (they'll

Hmm, I don't think you need a credit card on file. You can select "None" as your payment method. This should allow you to download anything that's free (they'll still ask you for a credit card if you try to download something paid, of course). You installed XCode dev tools and you're set.