I get this every time I buy something with a PayPal button and change my funding source to be a credit card instead of my bank account. The advantage of paying with my credit card is obvious: I have a 20-day grace period to actually pony up the cash, while the thing I’m buying is shipped immediately. The disadvantage to PayPal is also obvious: electronic bank transfers cost them nothing; credit card usage requires a per-transaction merchant fee.

But it’s still sad that they’re trying to talk me out of using my credit card like this, and that their reasons are so flimsy. Look at that: it says “the benefits of paying with your bank account,” but none of those things are benefits. They’re implicit conditions of any reputable interweb transaction. I mean, “you’re still paying instantly and securely?” That’s not a benefit, that’s explicitly the same! And am I to assume that credit card payments are somehow delayed, or that they don’t keep my credit card information “safe and secure?” (Note also that “military-grade encryption,” historically, has not been that great a qualification.)