You have to have a combination. If you have a key lock you don't need a combination, all it is is a lock that says master and a key to turn it and then it opens what you have in it.
I am not sure that you can, but sometimes the lock has a keyhole at the back, if you can't find the key, try contacting the lock company, they might have an extra key :) Hope that helps :)
There isn't really a way to unlock it if the combination was forgotten. You should always right down the combination the first thing you do, and hide it somewhere.
You turn the thing with the numbers to the right all the way to the first #. Then you go the opposite direction doing one 360 circle passing the first number to the 2nd #. Then you turn right to the...