How to create an account in egold or paypal.

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Hi, I have registered with mylot yesterday, its nice to see that i will get earnings for the postings/disscussions that i participate. but i'm worried that i may not be able to receive the payments, as i have no account with egold or paypal. When i tried to create an account in paypal it asks for credit card particulars while confirming the ACCOUNT VERFICATION. THE THING IS I DONT HAVE ANY CREDIT CARDS TILL DATE, WILL MYLOT MAKE PAYMENT BY CHEQUE IF REQUESTED? OR ELSE IF IT IS COMPULSORY TO HAVE A CREDIT CARD, WHAT KIND OF CREDIT CARD SHOULD I POSSSESS TO OPEN AN ACCOUNT IN PAYPAL? CAN THE FRIENDS OF THIS FORUM TELL ME?