Hi there, I don't have a real credit card to use with paypal right now and it is impossible to get one because of my bad credit My paypal will deduct money directly from my bank account but it takes 6-8 business day for the completed process. When I buy something online. I have to wait for a week until the merchant receive my money to start shipping the product to me. Is there anything I can do about it? Can I use visa gift card or VCC with paypal without account being banned by paypal ? Thanks in advance.