Paypal uses your card. It's allows you to trust them with your card details instead of every trader you use. When I first used them there was a time limit after ehich they insisted on some validation/confirmation and applied a limit. I know because it stopped me using Paypal for an eBay purchase and as a result I had to use a cheque and had my money stolen. But I don't know if they still do that idiotic dodgy practice, but 2 years from opening an account seems unlikely to me.