Marc I have been using Paypal for some time (because I have used ebay for some time). Like you I originally started with my Credit card. I soon used my Bank account. It improved transfer times, decreased costs and I have never had a problem. Paypal will then only use your credit card incase of insufficient funds in your bank account. I use a seperate Bank account for paypal but that was only to keep things seperate.
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Ralph Volkert
UC 2Mk I*
Upper Hull: CB 8075
Lower Hull: 8105
S/N: 9075
Date: Jun(est) 42
contract #: CDLV 213
1946 Willys Jeep
1974 Plymouth Road Runner
1987 Trans Am
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