GB said it like 3 times. when you are refunded by the seller, the money goes into your paypal account and then you decide how to get it from there. its not like a retailer where you buy something and return it they put the money back on your card or cash or however you paid.
with paypal, paypal "becomes" the credit card. think of it like this: the money from credit card gets transferred to paypal, and then gets sent to the seller. so when the money comes back, it will sit in your paypal balance. it would be like transferring money from a savings account to a checking account and then using your debit card for an item. if you return the item, the money doesnt go back to the savings account, it goes into your checking account.
paypal will keep that money in there forever if you let them. they DONT want you to withdraw money, they want to keep it for themselves.
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stealth (n): the act or action of proceeding furtively, secretly, or imperceptibly
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