I, too, have been a customer over 10 years. I have used my card a gazillion times, for everything... from food, gas, bills, airfare, hotels, car rentals, ebay purchases, etc.... most of the time i have a zero balance because it just drafts from my back up checking account. I do $3,000-$4,000 in purchases a month using the "credit" transaction, mainly for the 1% cash back, which i have had no problems with for a long long time now. Today, my Paypal mastercard debit card got declined for the first time. While shopping at the grocery store, I got a call from an out-of-state customer and took a payment from him over the phone using "paypal here" with my smartphone, punching the numbers in rather than swiping the card. Later, I checked out and tried to use my paypal debit mastercard at the grocery store register and it got declined. I tried to used it as a credit card and also with my pin. Both ways declined. Not only did I have money in the account, but I also have backup funding on there with my other bank. Why did it decline?! This is so inconvenient! I called paypal customer service and they told me because i had a payment go in without swiping the customer's card, and then i turned around and tried to use my card, it triggered a risk profile and declined. To me it doesn't make sense. If they want to do a hold on the new funds, that's fine... do that! But I have backup funding so it should go thru anyway! If i had a zero balance, the purchase would have easily gone thru. Paypal needs to review and fix the way they handle the risk profiles.
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