If any specific user doesn have a credit card, can he/she still access Xbox Live gold services some how?
Yes, you can still get Xbox Live Gold without a credit card. You have two options when signing for an Xbox Live Gold account. One is to become an Xbox Live Gold member through the Xbox Live Dashboard on your Xbox 360 system using a credit card. The other option is to purchase your Xbox Live subscription at your local retailer. There are a few different versions, including Premium Gold Packs and Subscription Cards.