how do i use my refund in my pay pal account when i don't have a pay pal account

[romle.us.onlj32yr]

i had returned a item, i paid with a credit card, but the item was defected so i sent it back, i want to get another item using the money that was refunded but they say its in my pay pal account which i dont got, how do i use this without having to make a pay pal account? thx in advance