I have a paypal debit card # that draws from my paypal balance, so I can use my balance at any website whether they accept paypal or not. I also have the credit card and it was a mistake for me because it just becomes another card that gets maxed out.
I have the debit,never had a problem. Its good if u cant wait the 3 days it takes to transfer funds to ur bank acct. but I usually just transfer it after it builds up or save as gear fund then reuse it for more gear.