<prompt> Human: So at 23 I just got my first bank account. Im setting up paypal so I can finally use ebay and stuff. I wont have a debit card for 2 weeks according to my bank. Should I wait? Does it even matter?Thanks!  <response>: Dont use a debit card, use a credit card. You have a lot more protection with the CC.If somehow there is a screw-up with the DC it comes out of your account immediately and you have to jump thru hoops to get your money back. With the CC you can dispute the charge before paying it. 