If you're giving a reason, make it plausible

I recently added my bank account as a payment option to my PayPal account (previously I could only use my credit card to pay). PayPal now tries to encourage me to use my bank account instead of my credit card. I suspect it's a lower fee for them.

Here are the reasons it gives me (copied directly from their Web site):

Paying with your bank account offers the highest level of PayPal protection and security, plus these advantages:

1. No Fees -- Payments made using your bank account don't accrue interest fees
2. Instant Payment -- Bank account payments are processed instantly
3. Convenience -- Paying with your bank account means that your payments always go through -- instantly.
4. Sellers with Personal accounts cannot receive credit card payments. Any PayPal user can receive bank account payments.
5. Safety - Your bank account information is kept safe through the highest grade commercially available encryption and is extensively covered against unauthorised use

Looks fine at first glance, right? But let's look at them more closely ...

1. No Fees: Fair enough
2. Instant Payment: Huh? I thought my credit card payments were also processed instantly. And anyway, why should I care about whether it's instant or not? That's more an issue for the seller.
3. Convenience: Seems to be just restating the previous point.
4. Sellers with Personal accounts: Fair enough.
5. Safety: Are they saying my credit card information is not covered by the highest rate of security??? That would be a big concern!

What's the point? Simple: People aren't stupid. If you give reasons for them to take action, make them real reasons. Some might be major reasons, other minor reasons - but none should be irrelevant.