Not entirely sure why the Guardian uses a hypothetical here. This is how amazon is used for money laundring. Fake products, and real products sold at 10,000% prices
While in the US and Canada, "credit card" is the main method of payment, large parts of the world in which Amazon operates offer additional payment methods such as bank transfers, with credit cards offered as secondary option but not owned, let alone used, by large portions of the demographic.
If you already have a credit card, you're indeed almost certainly already good to go.