Beware of PayPal

It seems that when I make a payment through paypal it automatically defaults to taking it out of my checking account, I actually have to make a change to take it from my credit card, not sure if this was your experience or not. I will say that they (paypal) have never taken funds out of either account (checking or credit card) unless I instructed them to do so.

That is correct. They have changed the default and they actively discourage you from using your cc. I believe that they want you to establish an account with them, have the funds, and play the float. I just ignore their warnings about paying interest, and switch the account, and use the cc.

I don't like PayPal. They are really raking in the interest on our cash. Their disclaimer says you can't take out the money in more than $100 increments without paying a penalty. What a ripoff! Even a modestly priced amp could cost $1000. It could take a year to get the money out, and you're still out the interest. Maybe I read their instructions wrong, but I don't see the benefit. I know that some people are worried about getting ripped off during a purchase, but I think COD is better in the long run.