Go to the paypal site, not using any link, to be sure you are dealing with Paypal.

I did this verification years ago when I started using Paypal. You just have to remember to change your payment method on each purchase, as the default will be your bank account. You have the option EVERY TIME, and I just change it to my credit card.

Once in a great while (maybe once a year, probably less) I will forget, and the payment will be done as an automatic withdrawal from my bank account. Not a big deal, and once I've done it, I make sure to watch for that change options place every time I make a purchase.