Hmmm, there is a great different between to have a credit card and to accept credit card payments at your website.
What is it you are looking for?
To Accept Credit Card payments at your website you will need a merchant account and a payment gateway to hook up your website with the bank, at least if you don’t want to use a e-wallet like paypal, moneybookers or alertpay. You might be interested in looking into Authorize net for a secure and reliable payment gateway and find a ISO which can help you with the merchant account that will work for the authorize net payment gateway.
Anyway it will depend very much on the business you are doing and the monthly sales, if you for instant selling your products or services through e-bay or your services are for instant link submission or advertising, then stick with paypal or moneybookers.
In most cases it is only of interest with your own merchant account if you are selling products or services which can be ordered directly from your website.
And for your question: “Have a bank account is necessary for credit card?” yes it is, you can’t have a credit card if you don’t have a bank account, this isn’t possible, at least not in Europe, I don’t know how it is in the US.
Please explain a bit more about your question: “What to do for security of credit card?”
