VCC definitely make you look more stable with Paypal and raise your monthly withdrawal limit from $500- unlimited , at least for US accounts.
Although lately I made a few accounts with just a bank and no CC and received raises quickly . I feel the proper bank account can really make the difference in the overall credibility if your Paypal / ebay account.
After I did add a VCC, and always recommend both VCC and bank , was just doing some experimenting
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