As soon as you try to sell an item it will ask you for a credit card, to pay monthly sellers fees.
Don't worry, the monthly sellers fees are not monthly charges unless you sold something that month.
How To sell with Paypal
So instead of selling your first item by going through the "add credit card" page first you should go from the help page for Paying Your eBay Seller Fees.
On this help page you can read about other payment options, like pay pal, and also includes a link to verify your Paypal account with Ebay.