I don't understand the credit card thing. PayPal has my credit card, but I never use it for PayPal payments. PayPal always sucks the money from my bank account. When I pay with PayPal, the credit card is shown as a backup funding source.
I have the option of using the credit card when I make a PayPal purchase but I always use the bank account option. This works for every vendor including Newegg. I guess Newegg wants to know you have a credit card to help prevent fraudulent purchases.