If I am not mistaken, PayPal said at one point that if there's not enough money in the bank, they'd charge the balance to a credit card, however it's not what they're doing. They happily charge the bank account all the way. Luckily my bank's been forgiving for a couple of overdraws.

The last time I changed my payment method to a credit card. Guess what happened. PP is sitting on my money. No biggie, it's only 8 bucks, won't make it or break it, but SUCKS. This isn't my first sale this year, actually forth one LOL. (most of my business is on the river that sucks just as well)

I have a 100% positive fb, still PP is sitting on my money. Of course they have a bunch of reasons why.