PayPal will not let you set your credit card payment as the default because they want to skim every last penny from your transaction, and they keep a bigger cut if you use your bank account.

They don’t make very clear when you jump through the hoops to add your bank account that you will have to use it as your primary payment option.

They know customers are not happy about this – it has been voiced for years on their help forums. They could easily allow you to change the settings. But they don’t – they don’t care about inconvenience to the user.