No. If you have enough credit to cover your gift, a credit card is not needed. If you do not have enough credit to cover the gift, a credit card will need to be added to pay for the balance after using your credit. If you have Goody credit on your account, you will be able to select whether or not you would like to use that credit when checking out in the payment section. There is a button to toggle on if you want to use it or off if you do not want to use it.