PayPal is always changing its rules, but as of now I think you can always select your funding source if you don't have a cash balance in your PayPal account, which is why a lot of us keep two PayPal accounts, one for buying, as noted in the above paragraph. ... ... .... I don't know why it works for me, but I have a PayPal Plus Credit Card (which you can apply for from the PayPal web site), and I have successfully opted to have as a default all of my PayPal purchases funded with that credit card EVEN THOUGH I HAVE A LARGE BALANCE IN MY PAYPAL ACCT!
Robert
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