I am very confused. I have always used my debit cards so i had to have the money in my account to be able to buy anything.. I would LOVE IT if paypal did credit cards like my american express because then I could buy something I REALLY WANT and be able to pay it off slowly which is dumb i know but i really would love this. Is the paypal credit card a thing that you use and can pay off?? i hate that debit card stuff thanks