It is very seldom that I use Paypal, perhaps twice a year. If my account contains the funds necessary for my purchase, why should I link Paypal to my personal bank account? Have you ever had an unwanted charge on a Credit Card such as a yearly magazine subscription you no longer want or an antivirus platform renewal for a fried laptop? Can't Paypal verify that Paypal has my funds in it's pocket? The default limit should be the content of my Paypal account. If I wish to increase the limit, then I will provide you with my banking information.
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