I have had a PayPal Business Debit Mastercard for around 5 years now. I have been able to use it with a zero balance in my paypal. It would withdraw the paid amount from my bank account, which is set as the backup payment source. The problem I have been having recently is that I have used it as a credit card from day one, but recently at some places it has charged my account immediately on the following day instead of 2-3 days later as usually did.
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