I just saw this thread. Exactly the same thing happened to me, Bertrand, so you're NOT alone! I'm pretty sure I also labeled it a Friends and Family because it was for music lessons for a grandson, and she had asked me to do that. I switched to writing her a check! I have used Paypal for a couple of Ebay buys, but they specifically noted it was a credit card transaction without the fees, so I think they know about this. Anyway, thanks for the discussion!
gregmo