2 single-app subscriptions? + PayPal debit

I use Illustrator for about 6 months for freelance design (with great success!) I didn't need other products Creative Cloud – up to present. Long story short, I need to buy InDesign now in addition to Illustrator, and I don't see the option to purchase a subscription second single-app. I know that the full creative cloud package is only $10 more, but I don't want waste, or face any kind of cost for the "cancellation" my first membership by opting for the full package. I'm just missing something, or it is not an option at all?

And a single somewhat related question - is there a way to change my PayPal debit payment method? I used to be paid primarily through PayPal, but now it's almost all controls, so I do not use my PayPal and don't want to bother with deposit more money out there just for that.

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Problem of payment method

How can I change the paypal payment method

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