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I'll be repairing (un-jailbreaking?) mine just before 3.0 comes out. I'm looking forward to some semblance of stability on my phone again.You don't need a credit card to sign up. I registered without it and once OS3.0 is released (June 17) I will jailbreak my phone to benefit from the thousands of other free apps.
There is a slight risk associated with jailbreaking your phone, so I don't recommend it if you don't understand what I just said. You will need to google around anyway and make sure you are 100% clued up on the process before attempting it.