In fact there is another workaround, it involves using multiple currencies. If you have to pay for a $50 item on ebay and you have $25 in ballance it will take that and another 25$ from credit/debit card. But if you convert your ballance to another currency like euro or pounds , anything other than the item require, it will not take it, because paypal will look at the USD balance and will see it as zero so it will tkae the full amounf from card.
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