Without Credit Card you account wont be verified and unverified have following limitations
1. Max 100$ Sending Limit (That means you can pay max of 100$, Say you 50% today and 50$ tmrw...thats it...you cannot make more payments till you verify)
2. You have MAX of 500$ withdrawal limit per month
3. You have MAX 3000$ limit for the lifetime of account
Minimum Withdrawl limit is 150$ and they charge 5$ for sending cheque. Worst part is Exhange rate is very row. These days just Rs 39