If it's someone else's card/PayPal and you use it, they will probably charge it back and the PSN will be banned.
I have a cracked psn account with a paypal and card linked, what happens if i buy a game to that account, then download it to mine?
You'll get banned on your playstation 4.
That's your fate if you do use a card that isn't yours or use paypal to buy a game.
Buy a cracked account instead, costs a bit of money but worth it.
Wind (03-22-2017)