:( I don't know how paypal works but to link it to my bank I needed an account and I had to make the account in the app so... I don't know how else I could've done it...
And I've never had problems paying with my card, but maybe that's just because I've only bought things within the EU. I was always able to enter more than 16 numbers for my card info, so I just don't think it's possible with my card on here.
But thank you though :)