Indeed, Paypal doesn't want you to pay with your credit card, and won't let you change your default PayPal payment method. You have to go through a process to select it Every.Single.Time, if you remember, and if you overlook to do it - well, what do you know, PayPal just saved the CC fee...
PayPal wants customers to know they can pay with PayPal at business/merchant X, not just their credit card.