Using PayPal with Linked Credit Card for All Expenses?

bumperplates on 02/02/2024 - 11:24
Last edited 02/02/2024 - 11:55

Hi,

Is it possible to use PayPal for all expenses i.e. mortgage, bills, insurance, and the rest with a CC behind it to make CC churning easier?
Thanks

Financial Credit Card

Related Stores

PayPal
PayPal
Marketplace

Comments

  • Fredfloresjr on 02/02/2024 - 11:27

    That's how paypal works, you have to link either debit/credit card.

    Question is, why link to paypal when you can pay directly with CC.

    • CyberMurning on 02/02/2024 - 12:16
      -3

      paypal protection, plus the chinese doesnt know your cc but only your paypal

    • kerfuffle on 02/02/2024 - 13:08
      +5

      Some companies won't take Amex direct, but will via PayPal e.g. NRMA

      • goober on 02/02/2024 - 13:16
        +1

        And many Govt agencies and thus you still accumulate AMEX points

  • bumperplates on 02/02/2024 - 11:28

    I'm thinking just to make it easier to not change CCs every time I need to change a CC

    • Jimothy Wongingtons on 02/02/2024 - 11:44

      just checking ..you HAVE used paypal before right?

      If you tie a card to it, then close it, you will need to add new cc details so it can fund the paypal account…

      • KaTst3R on 02/02/2024 - 12:24
        +3

        But you only change CC details in Paypal, once. Whereas if you have a recurring payment setup with your insurer, utilities, etc you need to change it in all places.

        The concept idea is sound, just that I dont think the banks accept Paypal as a mortgage payment. It has to be a direct bank debit. The idea is that it is discouraged to pay debt using debt.

        • bumperplates on 02/02/2024 - 12:37

          This is what I was hoping to achieve, and may have to keep updating CC details on that case. Thanks for your advice though.

  • freefall101 on 02/02/2024 - 12:15
    +2

    I'm going to take a wild guess that your bank doesn't let you pay via paypal linked to a credit card to pay your mortgage.

    • Mechz on 02/02/2024 - 14:48

      You can't pay credit with credit.

      • 2jzzzz on 02/02/2024 - 16:25
        +1

        Laughs in USA and AUS government

  • ozbargainsam on 02/02/2024 - 12:24
    +1

    OP, I recommend you go to each of your providers and see if they have a PayPal option. Then report back here.

    (Hint: PayPal isn't like a normally accepted payment processor)

  • bumperplates on 02/02/2024 - 12:34

    Will do that. I was trying to make the CC changing more seamless although after the above comments, have to re-think my initial thoughts.

    • ifyareckon on 02/02/2024 - 12:59
      +1

      Run with two credit cards. One that is not churned, that is used for your direct debits. A second for spending that is through paypal or in person where you aren't needing to have a cc number on file with the provider.

      • ozbargainsam on 08/02/2024 - 20:39
        +1

        Changing direct debit online (if available) takes a couple of minutes. I have a list of all the merchants that have my card on file and every churn I take the 15 mins or so to change my direct debits to the new card.

        So I wouldn't exclude your DDs from your churn cards.

        Otherwise you'd lose out on all those points and having them count towards the minimum spend (assuming your permanent card is a fee free one that earns little to no points).

  • maximus117 on 02/02/2024 - 12:36
    +1

    Do you still get points (if linked CC is eligible) if spent via paypal?

    • goober on 02/02/2024 - 13:18
      +1

      Yes, been doing this for years with Amex connected to Paypal. Also sometimes you don't get hit with an Amex surcharge when using PayPal.

  • GordonD on 02/02/2024 - 12:56

    Talking about credit cards and paypal, something odd happened that I didn't expect.

    I signed up to pay USD 5 every month through paypal for a subscription to a newsletter years ago. Back when my paypal purchases came out of my credit card.

    Recently my credit card company screwed up and wrongly denied a paypal purchase. So I added my debit card to my paypal account, and made it the preferred card to be charged.

    But the years old newsletter subscription keeps getting charged to my credit card every month. I can stop it doing that by removing my credit card from my paypal account. But it was just weird that every other paypal purchase I make now comes out of my debit card, except that one thing.

  • geekcohen on 02/02/2024 - 13:22
    +2

    It is all good in theory, but not everywhere accepts PayPal and some may charge a surcharge like fee vs nothing on Credit Card.

    • JimB on 02/02/2024 - 16:41

      Also, I started noticing more and more utilities, companies, starting to add a credit card/paypal surcharge so the only fee free payment method is direct debit from bank account or BPAY.

  • bumperplates on 02/02/2024 - 14:52

    So is it recommended having a daily card for all bills, and then the second card would be the one where you churn?

Login or Join to leave a comment
Login Join