BG Eraser Retains Texture?

I was using the background eraser to erase a background on a scanned business card. It appeared to be working pefectly, until I added a layer under the layer I was working on, and filled it with white.

I could then see that the bg eraser had erased the background but kept the texture of the business card, which I did not want.

I used settings of continuous, 50%, protect foreground color, once. Does the bg eraser usually retain texture?

johnny