I have had a PayPal account for well over ten years. The account was initially set up to pay for my auction wins as eBay sellers did not accept credit card. My PayPal account is linked to my checking account as well as my Amex credit card. At any rate, I bought some small item on eBay two days ago but I forgot my eBay login password and was routed to PayPal login, which I logged in to reset my eBay login password (though this feature may disappear soon since eBay has already announced severing future tie with PayPal). At any rate, I clicked on Amex card, entered card number and security code, thinking the item would be charged to my Amex card which is already linked to my PayPal account. Lo and Behold, I logged into my checking account this morning and noticed tPayPal has debited my checking account. What exactly is going on? No doubt PayPal would prefer to get cash from my checking account since it does not have to pay Amex any fee. But I prefer to use credit card since I can earn reward points. I logged into PayPal to set my credit card to be the preferred payment option. But when I clicked on my checking account, it says it already is my preferred payment option. What the heck is going on? How can both be my preferred payment option. Can I delete the link to the bank? As I vaguely remember a bank account was required when I first set up my PayPal account but that was well over ten years ago. Can some frequent PayPal users shed some light on this?