What happens when I refund someone on eBay?

I am trying to refund someone on eBay, but I am scared if it will automatically take the money from the main credit card I have on my Paypal to refund. Will it do so, will it let me choose what card to use? 

I cannot remove my main credit card for some reason because it keeps giving me an error; that credit card has gone over the limit and doesn’t have nearly any money on it. 

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