You need a CC attached to buy stuff on the Oculus store.
I've got 100+ VR games and never bought anything on the Oculus store. Steam games work just as well, and will be easier to use if you ever switch to another VR headset.
I have a general policy of not keeping hardware from known user-hostile companies in my house. They have way more time to worm things I don't want into their hardware than I have time to keep tabs on it, so I just don't.