I recently deposited on ACR with a credit card, and it was seemless. Maybe the issue is your country of residence, where I could imagine, that for instance credit cards issued by a US bank is a bit of a no-go on all
poker sites after Black Friday? That being said I checked the withdrawal options, and withdrawing will in fact require me to open a bitcoin vallet or set up some other kind of intermediate to eventually get the money into my bankaccount. So that is rather tedious, but I guess, thats just the way it is with unregulated sites.