hey there i just started myself online. Actually yesterday was my first real bet online.
i use http://www.sportsbook.com
, seems pretty easy to use and the guys around here actually turned me on to it.
my initial deposit was only $50, but they gave me an extra 10%. so $55.
You can do as little as $20 and yes you can use a credit card.
check into it and let me know what you think.