Nice idea, Dave.
One thing to try, if you haven't already, is different versions of that button text. IMO and experience, "Enter this site on credit" may confuse some people, who think "I'm already trying!" as they mix credit with credit card.
My suggestions to try (feel free to create your own variation of course):
"Let Me In - I'll Pay Later"
"Enter Now - Pay Later"
"I Promise to Pay Later!"
"Give Me Access - Bill Me Later!"
etc...
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