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You DONT need a Credit Card on your acc to Pre D/L it, I have done it and its D/Ling now..
How to do it:
After creating your European PSN account, login with it on your PlayStation 4.
Navigate to the PlayStation Store.
Search for Destiny.
Pre-order the game (EU PSN doesn’t charge until release) and it should begin downloading the Beta. ( the beta is 12gb but it will D/L 123MB and says its done, but it will be D/Ling the rest of the 12gb in the background
Wait until July 17th to play.
How to cancel the pre-order:
On your EU PSN account, navigate to the Settings tab.
Go to PSN
Click Account Information
Click Wallet
Go to Transaction History
Click next, then click on your Destiny pre-order and cancel it.