International Customer and does not have a U.S. bank account

[phyzzzy]

If you an international customer and you pick the credit card to pay without signing into paypal, the account is in the u.s. does the credit card user have to have a bank in the U.S. or it can be from another country

[snowshoe]

Does not matter - if a customer is going to pay with a credit card (or pay as guest - no PayPal Account), there's no country requirement.