You don't need a credit card, bank account, or anything for PayPal. I use PayPal for certain things, and I don't have a bank account or credit card. You just can't receive more then $800 in one month, and you can never send more then $1250 total.
Actually, Wiz Banned has nothing to do with using a program.
If you make more then 200 searches that hour (:00:00-:59:59), you can't make any more until the next hour.
Family Guy stretches everything out for way too long, so I don't like it as much. The fact that there's literally only five different episodes that actually show, doesn't help either... I musta watched "The Thin White Line" at least 400341041290841290 times by now -_-