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default to CC seems to ignore my toggle to pp balance at time of purchase

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default to CC seems to ignore my toggle to pp balance at time of purchase

I have my preferred payment set to pay with my credit card, but occasionally, I toggle it over to pay from my paypal balance, depending on what I am purchasing.   Recently, it does not matter if, at the time of purchase, I toggle over to use my paypal balance.   It still does the transaction from my credit card.   I tried to deal with the chat lady at pp, but could not get it through her head that I KNOW how to toggle over to use pp balance at time of purchase.   Anyone else faced with this?