No options. Basically it's a cookie thing. When a customer "first" visits sees the checkout screen, the option to pay using a credit card is opened or dropped down. For return visits the option is there but, not opened. PayPal's mission to have customers use or open a PayPal account. You can't change the behaviour unless the browser cookies, temp files and history are deleted each time. Note after deleting these files, you should close the browser, then reopen and retry.
