I don't think PACER requires a credit card -- my account is set up to bill me if I incur more charges than the complimentary $30/quarter.
I used my PACER account to file in the Court of Appeals. It was very convenient, much easier than mailing a big envelope to their filing clerk. Attorneys are required to file in the federal courts electronically with text-searchable PDFs. Pro Se (without an attorney) filers have to ask the district court for permission to file electronically, but the Court of Appeals didn't have that bar to filing electronically.
tl/dr: if you're going to file Pro-Se in federal court (bankruptcy/civil/etc), get a PACER account and sign up for electronic notification of filings.
[0] https://www.courtlistener.com/recap/ and https://free.law/