Costum skins

so I really wanna use my really cool minecraft skin but only the red rank can use them and I met this guy called retired and he had like a purple name and he said if I want to have a cool skins like him I need to buy the red rank from the shop but he says because I use crazy games he dosnt think the shop works so he said I have to fix my account and make it a normal one but that's to hard for me and I also am not allowed to use my mom's credit card for video games so can you make everyone have costom skins pleaseeee