buying problem

Hello, I want to buy a theme, but I have 31.20 dollars in my account, the theme I want to get a loan is 60 dollars, I want to use the credit in my account and complete it from my credit card, but I want paypal or skrill.

If you have credit already in the account then when you go to buy the item you will see a charge for only the remainder which needs to be paid using PayPal etc.