I've used up my two credit/debit card transactions already that you get with a personal PayPal account. So if someone pays by credit card I may be forced to upgrade, then PayPal can charge me for every transaction, even the one's that used to be free, SNEEKY!
What you need to do is take off your PayPal option which puts a logo with the credit cards on your listing. You do this from your PayPal account, go into your PROFILE, then under SELLING PREFERENCES go to AUCTIONS. In auctions, if your eBay user ID is not listed, add it. Then under automatic logo insertion turn it OFF! Now future listing will not have the PayPal logo with credit cards on show.
If you are running a personal paypal account you need to specify in your listing that you won't accept credit/debit cards through paypal, only money transfers. This will cover you from complaints or confusion.