Do you link your bank account to Paypal for payments? Since joining this site I have been sending a good amount of money through Paypal. I exclusively use my credit card, but pay a small fee for each transaction. I guess I like knowing that if anything were to happen I could dispute it with my credit card company before the money just disappeared from the account. Am I paranoid? Just wondering what others do.
I have my bank account linked but I never use it. I'm surprised you have a service charge for paypal on your credit card. they only time I get that is when I use it to by something from another country. I use an E-cig and I buy my liquid from the UK
If I didn't link my account, my debit transactions are delayed a few days even though my debit card is from the same account. It wouldn't hurt to have an account just for PayPal with no overdraft allowed in case someone tries to rip you off.