Joe, Regrettably, the two functions of the Pay Pal card are never explained well, unless you invest many calls to educate yourself. If you do not have the old Pay Later or nowadays PayPal Credit, you have only the debit function to use any available balance in your card. If you do not have enough balance on your PayPal Card, the remainder will get sucked out of your regular checking. In order to have the PayPal Credit, you have to apply for it. In order to USE the PayPal Credit, it MUST be for purchases on -line, where the merchant either says it accepts PP Credit, or not. If they do not say anything, if you have the functionality of the credit - AND IT IS SET TO DEFAULT PAYMENT Method, the charge should show up on your Credit side. So, be sure and double check everything before you pull the trigger!! I have learned the hard way!! Bill
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