PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why?
I'm pretty sure it's merchant-dependent.  If a credit card transaction doesn't go through, PayPal will automatically charge your bank account.  Some merchants may want that extra insurance.
Below is an instruction that describes a task. Write a response that appropriately completes the request.

### Instruction:
PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why?

### Response:
I'm pretty sure it's merchant-dependent.  If a credit card transaction doesn't go through, PayPal will automatically charge your bank account.  Some merchants may want that extra insurance.