Stop blaming PayPal. PayPal goes to your bank via ETF (Electronic Funds Transfer) and requests the funds to pay for your purchase etc. YOUR BANK decided to either APPROVE the transaction or DENY it. As you very well know, your bank can decide to APPROVE transactions, checks or debit card purchases, even if you have zero dollars in your account. PayPal does not have access to your bank records. All they get is an approval or denial. That's what is happening here. Your bank is approving the transaction. If your bank denies the transaction (which will happen eventually as your bank has limits on how much it will let you be overdrawn), THEN PayPal will go to your secondary funding source, i.e. your credit card.
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