Hacker wouldnt require a credit card. They would just hack your account that has your credit card. And you can easily go to any store ajd buy a $20 prepaid. Hell they could buy 5 at a time to save them some hassle. There is never an "easy" fix, especially not at the begining stages of a new game. Takes time, eventually you wont even notice them. They will always exist though, in every mmo.