Hope this isn't too late...
Sounds like you need to get yourself a PSN account. Once you register for the PSN account and use your PS3 to sign in to it, you can then claim and redeem the PSN codes. It shouldn't make a difference if you have a CC attached to the account info or not.
It doesn't matter if you agree or disagree
... As long as I don't bore you and I spark a moment of thought, my goal is achieved
Queng leon queng tigre ecu tacacut, queca pa? - Pampangan Mandarigma Motto