My paypal balance got held before (sold something through eBay) it took neary two weeks for my money to be released after positive feedback, sooo annoying!! Also if you send money owed over £13 does Paypal charge you fees as it did to me.
pointless doing owned of your credit card since its the same fees you dont get charged if you do it as goods paid
so allways do it as goods paid in that situation to get the buyer protection since your paying the fees either way