Yes, I do have a credit card registered with ebay. My problem is this: when attempting to list my first item, I get to the point with eBay that I have to select how I want to pay my seller fees. I choose paypal and am redirected to the paypal site. I enter my username and password and I get an error message stating that I can not use this account to pay seller fees. I am asked to use a different paypal account. I have spoken with paypal and ebay and they both tell me that everything is set up properly and I should be able to start selling. However, there is no way to list my first item because the error message (mentioned above) is always looming. There is no way to bypass this step.
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