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You will be able to use your account without a bank account or credit card and you will be able to receive money. It will work better for receiving funds however, expect holds on your funds anywhere from 1 to 21 days. As for purchases and withdraws, there are limits on both. In order to use your account as intended, linking both a bank account and credit card will remove your limits and receiving funds will be almost right away in most cases.
Anyplace that you see that accepts PayPal however, there are some online sellers that will only accept credit card payments.