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If you are reading this post it means you are trying to buy an item by using PayPal and the system forces you
Please add a credit card to complete your purchase
No matter, if your profile is even 60% completed. I tried to find out its proper solution and I found some hints, reasons and possible scenarios which I'm going to share with you so I hope it might be helpful.
Example 1: (Steam)
If a game x is 1$ on sale, original price is $10, and your PayPal account has $1. The steam store will not let you buy it without a credit card linked.
Possible Scenario: So, If you have the original amount ($10), then you can buy it at $1 or else not.
Example 2: (Blizzard)
When I try to do a payment for a Blizzard game using PayPal, I have enough money in my account but it asks for a debit card to complete the purchase Blizzard game.
Reason: For virtual transactions (that are often subject to chargebacks etc) paypal like you to have a back up card linked to your paypal account as well before you can use the funds in your paypal balance.
Example 3: (One Time Purchase)
If I'm doing a one time purchase, not even a subscription.
Reason: If that's for an item that will not be shipped, so you have a high risk of loss. PayPal needs the backup card avaialble.
Example 4: (Working Before, But, No More?)
You've been successful doing payments directly from fund available in your PayPal and now it's not allowing anymore.
Reason: They let you do a few payments then you have to add a card.
After calling Paypal today, it appears that the problem is associated to their risk algorithm. Becuase the direct debit mandate takes some time to process, Paypal calculates a certain risk factor per customer to ensure due payment. When you cross your risk threshhold in outstanding payments, Paypal introduces this credit card option until your bank has made the transfer to Paypal. I managed to circumvent the problem by directly adding funds to my Paypal account from my Bank.
If your problem was solved out, or you have any possible hint about this PayPal issue. Share in comment box.