I have had the same problem with trying to use PayPal on eBay. My most recent experience with this was when trying to purchase an external ssd for my mac. It does seem that the problem happens with more expensive electronics items. I tried all of the work-arounds suggested by others, including logging into PayPal separately and still didn't have the option to use PayPal credit for this purchase. After two days of frustration, I decided to remove my bank account as a payment source, leaving only PayPal credit for payment et, voila! My purchase went through lickety split on credit. I think it is ridiculous that this problem has been brought up several times over the past few years and there is no help from eBay or PayPal with this. Anyway, I hope someone else who has been totally frustrated my be helped by my work-around. Excuse me now while I go back into my PayPal account to re-enter my bank information for future use. Ugh!
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