Why do you have to put your credit card information in

why do you have to use credit card information to start an online id

You don't HAVE to, but it sure does make life easier if you do.  You might want to buy a song.  You might want to buy an App.  You might want to make an In-App purchase.  I've had my CC tied to my iTunes account now for years, and it's completely secure.
If however, you want to limit what you can download on your iPad.  Here are directions on how to set up a credit card free account.
http://support.apple.com/kb/ht2534

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