It's better to not link your credit or debit card to PayPal. I've pretty much figured out that this is just a way of extracting money from you. Whenever I receive money from PayPal, I course it through my bank account through the Add Bank Account option and directly transfer my PayPal money to my local bank account. It usually takes 2 to 5 business days. If I withdraw around $100 or more, they do not charge any transfer fee.