Denied PaypalMC, granted SmartConnect

[scarzy]

---

@mauwow0682 wrote:
From my understanding is that it will use your pay funds first and then smart connect. So if you don't want that $50 used then just transfer it to your bank account.

---

This is correct. I have the smart connect, and it dips to my paypal balance. If I don't have enough to cover it, then it will take the remaning balance thru smart connect. Also, it's very slow posting transactions...at least to me.

Also, if I remember correctly, you can have the SC sets as default for any Paypal's transactions (aside from debit card), or just use it for debit card only.

[Arailah]

Just wanted to give you a heads up about using your SmartConnect like a credit card.

I also received a $300.00 line, and linked it to my paypal debit card. As long as you run the card as credit, not debit - then you are eligible for 1% back.

With such a low line my goal was to use it to pay bills, then pay it off immediately - like I have been my CapOne rewards card. I wanted to get as much cash back rewards as possible.

The problem is - when you make a payment it literally takes almost 10-14 days to get your "spending power" back.  It will show that you made a payment and the payment will post a few days later, but you won't have your available credit for well beyond that.

I rarely use it anymore because the available credit turn-around is ridiculously long.

[WallyxD]

Thank you for letting me know. I had every intention on using it as debit, forgetting that I wouldn't accumulate anything if I had. And yes, I've seen quite a few posts about people complaining about how long it takes with Paypal. I'll have to mark that down in my phone so I won't forget haha.

[Arailah]

Definitely do that =D

I am just going to use it to pay one bill that's around $150.00 then pay it off right away every month.  That $1.50 will one day add up to a purse Hopefully when my line increases I can use it to pay my bigger bills.

But yes, that delay completely bites.