hi i hope someone can help

i have a paypal account with a few pennies in it transfered from my bank account.
i want to buy something off ebay but to get enough money in paypal will take 7 days
So i want to pay using my credit card through paypal. is this possible? ive put in my CC details in paypal and made it my primary card.
it then has a "complete varification process" button i click that and that takes me to a "Be Safe. Become Verified" page.
now this is where im getting stuck.
i have done first 2 verifcation processes
1.Set up bank funding
2.Validate your account information
its #3 that gets me:
Supply merchant information
i click that and it asks me details about my business...i am not a business i want to use paypal to buy items off ebay
what do i do to become verified when im not a business?
and once i am can i bid on items from ebay and have them go through paypal using my CC?
Thanks in advance
u maybe wondering why im asking here - well some of u are ebay experts and paypal havnt got back to me