arent debit cards for like 15+ and credit cards 18+ or something
you generally must be at least 18 years old to open a bank account, of any kind, and a paypal account is a bank account (so is a credit account)
if you have a paypal account, you agreed to this terms of service:
https://www.paypal.com/us/webapps/mpp/ua/useragreement-full"For an individual to open a U.S. PayPal account and use the PayPal services, you must be a resident of the United States or one of its territories and
at least 18 years old, or the age of majority in your state of residence."