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I would like a reason to link a credit card

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I don't agree with linking a credit card to my PayPal account, and as it is forcing me to do it for some applications and payments I have been looking for good reasons to link it, but all I have found is trivial reasons as to why I would want to link it (save time, more security) but this still doesn't convince me, so I would very much like to know, what is the reason that PayPal forces me to link a credit card, even if it would be more useful (for me) to not do so.

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