I got a letter informing me that my account will now be a Visa (I believe) card. I am not sure if thats a good idea lol. I only use my account if I want to buy something between paydays ( I dont live paycheck to paycheck) and I make sure I pay it right back. Having to log in to Paypal and choosing the payment method also made me more hesitant about the purchase too. Has anyone else gotten a letter?