Hello, I have recently been using Paypal for an online subscription of mine. However, I'm a bit confused. I know that there are paypal funds, which will take a long time to transfer from my credit card to Paypal so I can use as a Paypal fund. I have my credit card linked to my Paypal account as the verification/backup source. I notice that if I make a purchase on paypal while having 0 paypal funding, it will pull the funds from my credit card and everything seems well. My question is: Is there a penalty for not keeping any money in paypal funds and just having it pull money directly from my card each subscription? If not, I really don't see a benefit in transfering money to Paypal funds then spending it from there, when I could just use Paypal to directly draw from my card each time (which seems a lot easier) Thanks
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