I don't mean to post on a necroed topic but I can answer the original question. PayPal only let's you have Bill Me later OR a PayPal credit/debit card. You cannot own both. If someone wants a PayPal credit card and already has a BML account, the BML must be closed and then an application can be properly assessed for a PP debit/cc. You'll never have both, so don't waste a hard hit. Hope this helps.