paypal or credit card?

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#16
New Member here. I have been binge reading about Ebay on these threads, which has been an eye-opening experience.
I don't do it often but I made a purchase on Ebay yesterday. For the PP payment, I had to re-enter my cc number even though the number was on file. Maybe that is an additional security layer for PP.
 
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#19
BeenBurned said:
I think it's better to use paypal and fund the payment with a c.c.

That way, if there's a dispute, if PP doesn't decide in your favor, you can go to the c.c. company.
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Years ago when I used to do some buying and selling on Bonanza I set up a separate bank account with limited funds in it to be linked to PP. I had a credit card on the PP account too. I always thought if I didn't have enough funds in the bank account for a PP purchase they would use the CC. Fast forward to today. The little bit of selling I've been doing has been on Posh and they don't deposit the money from a sale into PP or my bank (unless requested). Yesterday I went to the bank to make a small deposit because I thought the account was empty. The teller told me I'd had a problem with insufficient funds but there was no penalty. I also got an email from PP later that day about the problem.
I called PP and she said they try three times to get the money from the bank before using the CC (hence the insufficient funds problem). Then I open my mail this morning and see the credit union is charging me a fee for the problem (even though the teller said yesterday there was no penalty)

Uugh
I've changed my PP to have everything come out of my linked CC

Now I will have to call the credit union and ask about this penalty.

Guess I just misunderstood the whole thing?
 
#20
I actually had to use my PP account last night when I ordered a bag from FF. I don't know why, but every time I tried using my debit card directly, I kept getting an error message. It was a nightmare. This happened about 6-8 times, until I called FF directly and the rep suggested I use my PP account since my debit card was attached to it. I used it, and it worked. Something about my debit card they didn't like, but it worked when I used my PP account. Glad I have an account with them. Makes it easier.
 
#21
I used to always use cc's through PP. Double protection, like BB said. Then I went to return something to LV that i had used cc through PP and went to the store to return it. After waiting one hour in line, I was told that they could not take the return and I had to ship it back to LV to get my refund. grrrr
 
#23
lulilu said:
I used to always use cc's through PP. Double protection, like BB said. Then I went to return something to LV that i had used cc through PP and went to the store to return it. After waiting one hour in line, I was told that they could not take the return and I had to ship it back to LV to get my refund. grrrr
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Sorry for the wait, but this is not a PP fault. It's a Vuitton policy. At least in my country if you buy online, you must return online, not in the shop.
 
#25
It’s probably irrelevant to the original post but I prefer to use my credit card over PayPal for most purchases. I find that when making returns, certain companies take much longer to process the refund through PayPal then if it were just a credit card. I understand needing the extra layer of protection though, so that would just depend on the type of purchase I’m making.
 
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#26
For me it was also the ease of using PP as all my cc's are attached to it. Now, my IMac stores my cc numbers and I just have to add the security code, so it's easy to use a cc now.
 
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