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If times are lean and your bank account is feeling anemic, then you may hesitate to use Pay Pal for purchases.

It is very very easy, however, to change the payment method for a purchase once you’ve logged into your Pay Pal account.

Pay Pal assumes that if a credit card number is in someone’s Pay Pal account, and then a charge is run through on the same number but not through the Pay Pal account, there may be fraud involved. If you have a Pay Pal account, the option “Don’t have a Pay Pal account” will not work unless you use a credit card number that is not associated with your Pay Pal account.

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