I'm from China, and I've bought a lot of assets from itch using PayPal, because itch doesn't support any payment method in my country, I don't quite understand, because so far only your resource packs I can't buy through PayPal. As for the credit card, I haven't applied for it yet. I suspect it may have something to do with your PayPal payment settings, if you can check it, please be sure to reply me, thank you.