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Hot tip: use Character Craft for your digital character sheet!
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Huh? I never had to give any credit card information to create an account. Where are you seeing this?
It prompted me to make an account and that's when it asked for credit card info. Apparently the sync requires purchase, but it looks like it can be used without that functionality.
Oh, for sure. In fact, you can export your characters and import them again on other devices, if you don't want to make an account. I use Android and never had any credit card request pop up, maybe that's an iOS thing?
But, yeah, the only function of an account is to enable sync between devices... As far as I know.