how are you trying to use those “dollaz”? are you trying to use the paypal virtual cc? or trying to withdraw to you bank account?
you can request a check from them but that costs 1.50 and takes 1-2 weeks. Your best bet to get your money is to add a checking account and have instant transfer.
And no, they dont charge you if you add a CC.
Just so you know… PayPal does have a help section…. you know… for future reference.
https://www.paypal.com/cgi-bin/webscr?cmd=_help-ext&source_page=_home