Why Did PayPal Default to My Bank Instead of Buyer Credit?

[alienranger]

I made an offer to a buyer and was expecting Buyer Credit to be used, but instead, my bank account was selected.  Buyer Credit is my preferred method set on PayPal. When I make an offer and the seller accepts, it defaults this way, and when an offer is made to me and I accept, I then have the option to choose.  Why is this?

[disneyshopper]

ebay has opted sellers into auto-pay for auctions and Best Offer in an attempt to decrease unpaid transactions.  Paypal Credit cannot be selected because that form of payment cannot be reversed if the buyer does not win the auction or the Best Offer is not accepted by the seller.  If the buyer does end up the winner, you will have 1 hour in order to manually make the payment and select Paypal Credit instead of the payment method selected for the auto-pay.