It happens because you probably bought something from e-bay during the last month. Wait for at least 30 days.
The funding sources available to you when you make a payment by PayPal will depend on whether or not:
- You have sufficient money already in your PayPal account (i.e. a PayPal balance)
- You have added a bank account and confirmed it by completing bank funding
- You have a valid credit or debit card attached to your PayPal account
PayPal will fund your payment in this order (assuming you can make payments by these options):
- PayPal Balance
- Instant Bank Transfer (!!!!!!!!!!!!!!!!!!!!)
- Debit Card
- Credit Card
- eCheque
An Instant Bank Transfer is a payment made from your bank account using Direct Debit when you also have a debit or credit card attached to your PayPal account. So it is like an eCheque, but in this case the payment is instant and doesn’t have to clear, because if the Direct Debit payment fails then your debit or credit card is used as a backup funding source.
For this reason, when you make an IBT payment, you cannot remove the credit or debit card used as the Back-Up Source from your PayPal account until the money has been deducted from your bank account.
Remember it will take PayPal several days to actually take funds from your bank account even though PayPal will give the money to your seller straight away.
When you’ve set up Direct Debit with PayPal and have added a credit or debit card to your PayPal account, IBT is the default funding source when you make a payment. So if you want to use your card you will have to select it manually.
If the funding source is defaulting to IBT (i.e. you have confirmed your bank account) you can change the funding source from IBT to any of the cards you have added to your PayPal account at the point you make a payment.
Click the More Funding Options link to change the funding source:
Select the relevant card and press Continue.
Ignore any messages from PayPal encouraging you to use your bank account.
It is safer for you to use a credit card in case the goods don’t arrive or there is a problem when they do, because your card issuer may “charge back” the payment for you.
But always check with your credit card issuer what protection you will have because this varies from company to company. Also, check with your bank if you’re using a debit card because some banks offer protection for debit card payments.
So basically, if you have a confirmed bank account and bought something using the Instant Payment method (which is the default one), then this is the reason why you can't delete your card.
So wait for a few more days and try again. And next time when you make a payment, chose your debit/credit card to pay, not instant funding.
