Honestly....I use paypal 5-10 times a week and I have been allowed to keep a balance in Paypal. I would just go to other funding options and click one of my cards (and they aren't paypal cards). Only 2 days ago was the first time this happened. I used my CC without disturbing my balance just the day before. How long has this been going on? Maybe there was a glitch in my acct and I flew under the radar all this time. I know it's not good to keep money in there becauseof chargebacks but I was saving for a big bag and using Paypal as my personal savings for this bag.