You can either use a Visa, American Express, MasterCard, or PSN card in order to put money onto the PS3.
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You buy the 3 or 12 month package at the PlayStation store for 18 or 50 dollars
Yes you can play PSN (playstation network) for free.
You can't play PlayStation games on the Internet, but if you have a PlayStation 3, you can go on the PlayStation network and play with other people through the Internet.
You must join the Playstation Network see related link or use the one for your PS3
Used games for the PlayStation 3 game console can be purchased from a number of places. Offline retailers such as Game Stop sell used PlayStation 3 games. Online marketplaces such as Amazon and eBay also have used PlayStation 3 games listed as being for sale.