this post was submitted on 08 Jul 2023
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Piracy: ꜱᴀɪʟ ᴛʜᴇ ʜɪɢʜ ꜱᴇᴀꜱ
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PayPal is mostly a CC middleman at this point, with some banking features purely so they can profit off the float of positive account balances.
PSA: don’t keep any money in a PayPal account. They can and do “freeze” accounts and unless you have a buddy who works there good luck ever seeing it again.
PayPal also supports debit cards which is great for countries where owning a credit card is rare. I don't own a credit card and I know very few people who do.
I’m US based and always use credit cards online (and pay them off every month of course) for the strong consumer protections they offer vs debit: $0 fraud liability, extended warranties, and rewards points/travel miles.
I’m curious about your experience here: have you ever encountered a scenario where you wanted to use your debit card, but the merchant only accepted credit cards?