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stocktrader23 · 01-08-2003, 07:48 AM

GoBigTime

About your paypal question. I don't think you can actually "load" money into your paypal account from your credit card. The main reason behind this being that credit cards charge higher interest on cash withdrawals. If you loaded your paypal from a credit card you could then withdraw it and only pay your credit card company normal interests.

Instead paypal works like this. When you go somewhere that uses paypal and either click on a payment or subscription button you type in your username and password. It shows you the amount you are being billed and the funding source. Whether you choose credit or bank account it pulls exactly the amount you are spending from either source. Same goes for sending a cash payment to an individual. You type the amount and the source and it takes that from your card or bank account.

You can only upload funds with a check, or your bank account. Neither of which I would suggest. The reason being when you choose to upload money it takes up to 4 days to clear your bank. However, if you make a payment to someone, regardless of the funding option it sends them the money immediately. If your bank account is your primary source and it doesn't clear the funds then your credit card is charged I believe.

I see no reason to leave a balance in your paypal account at all. I don't like my money sitting anywhere. The only time I leave money there is when I plan to shop with the paypal debit card for the 1.5% cash back.

As for the fees you talked about I only know of 35 cents and 2.2% per transaction. (used to be 100% free for anything)

I have had an account since they started for ebay so I am pretty familiar with it. Anything else just ask.

01-08-2003, 07:48 AM
stocktrader23 Let's do some business. Industry Role: Join Date: Jan 2003 Location: The dirty south. Posts: 18,781	GoBigTime About your paypal question. I don't think you can actually "load" money into your paypal account from your credit card. The main reason behind this being that credit cards charge higher interest on cash withdrawals. If you loaded your paypal from a credit card you could then withdraw it and only pay your credit card company normal interests. Instead paypal works like this. When you go somewhere that uses paypal and either click on a payment or subscription button you type in your username and password. It shows you the amount you are being billed and the funding source. Whether you choose credit or bank account it pulls exactly the amount you are spending from either source. Same goes for sending a cash payment to an individual. You type the amount and the source and it takes that from your card or bank account. You can only upload funds with a check, or your bank account. Neither of which I would suggest. The reason being when you choose to upload money it takes up to 4 days to clear your bank. However, if you make a payment to someone, regardless of the funding option it sends them the money immediately. If your bank account is your primary source and it doesn't clear the funds then your credit card is charged I believe. I see no reason to leave a balance in your paypal account at all. I don't like my money sitting anywhere. The only time I leave money there is when I plan to shop with the paypal debit card for the 1.5% cash back. As for the fees you talked about I only know of 35 cents and 2.2% per transaction. (used to be 100% free for anything) I have had an account since they started for ebay so I am pretty familiar with it. Anything else just ask. __________________ Hands Free Adult - Join Once, Earn For Life "I try to make a habit of bouncing my eyes up to the face of a beautiful woman, and often repeat “not mine” in my head or even verbally. She’s not mine. God has her set aside. She’s not mine. She’s His little girl, and she needs me to fight for her by keeping my eyes where they should be."