i did this before,but it sad to me that i need to verify my account with credit card
You dont have to verify it. You can actually use paypal as like your personal online credit card. Make money online.. it gets put in your paypal, then you can choose to keep the money in your "paypal bank" or transfer it to your bank account. Hope this helps.
And how do you earn money?
Certain websites. Not gonna post links, heres some names though: adfly, fiver, etc