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Paypal makes it difficult to use a credit card to send money through Paypal. This is done making credit card payment option difficult to find, and warning users about "risk" because you cannot buy Paypal's insurance.
With a credit card purchase, you do not need Paypal's insurance. Your bank will reverse charge free if seller scams you.
One other way Paypal makes it hard for users to instantly send money with a credit card is by limiting total amount you can charge.
The first time I tried to use Paypal to pay for an eBay auction, I was unable to use my credit card because amount was above limit. That was a $700 item. I think single item limit is $500, but could not find confirmation of this. The lifetime limit, or total amount you can send all eBay sellers with a credit card is $2,000.
If you wish to pay for an item with a credit card through Paypal you should confirm seller takes card transactions. This can be done reviewing auction and looking for credit card logos adjacent to Paypal logo in payment methods screen.
Whenever you pay for an eBay auction through Paypal, you should check seller's Paypal status. Do not send large amounts to unverified users, and watch that user's address matches auction details.
Paypal is an easy way to pay for your eBay purchases.
Terry Gibbs is the author of two best selling eBay books "The Auction Revolution," and "The Complete Guide To eBay Consignment Sales." Learn more at his website: http://www.news.iwantcollectibles.com