Thank you for the experience that you've provided. The solution explains exactly what's happened with my issues.. Multiple merchants that charged a payment to my checking accounts rather than my preferred payment method (credit card) had their payment method set to "bank or card on file"... Looks like Paypal prioritized my bank account over the chosen preferred payment method in that scenario. I went back and changed all of those merchants' payment method to the specific credit card that I wanted to use.
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