We all realize that we can select the credit card option at checkout. That is only part of the problem, because credit card has to be selected each and every time we make a purchase. The major problem is recurring automatic payments. After the initial payment is made using the credit card, all future payments automatically come out of the checking account rather than being added to the credit card. There is no way to designate that ALL payments be applied to the credit card, and PayPal doesn't care.
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