@DaveInAZ wrote:
I called in for all of us, they said the guy in charge of that has been out sick . . .
Just kidding, no idea what's going on, but not sure PayPal knows what's going on either. I think I'll do a bank account while the gettin' is still good.
We can all hope for that grandfathering, can't we? 
@Anonymous wrote:
Edit2: Thought you guys would like this as it's relevant. Decided to open a US Bank gold checking account, since it's free with my Cash+ card. Had the option to fund the opening deposit with a card, used my PPBD to test if backup was still working... It worked! It also lists as signature debit and qualifies, and shows on my CBMC. I just earned 3% on my own money.Technically wouldn't that be getting PAID 3% on a "cash advance"?
Correct me if I'm wrong, but this is considered a manufactured spend, can be viewed as fraud, and can get you flagged and banned. Just something to think about.
Also, my credit card is also still linked. I have not tested paying with the card though.
I signed in to subscribe to this topic.
It worked for a friend of mine and it's still showing as a backup funding method. I wonder if Paypal is pulling a Citi IT one or they decided to not act on the deadline right away.
But the fact that they sent emails about it means that it will die at one point since someone up there doesn't like it.
@staticvoidmain wrote:
@Anonymous wrote:
Edit2: Thought you guys would like this as it's relevant. Decided to open a US Bank gold checking account, since it's free with my Cash+ card. Had the option to fund the opening deposit with a card, used my PPBD to test if backup was still working... It worked! It also lists as signature debit and qualifies, and shows on my CBMC. I just earned 3% on my own money.Correct me if I'm wrong, but this is considered a manufactured spend, can be viewed as fraud, and can get you flagged and banned. Just something to think about.
Also, my credit card is also still linked. I have not tested paying with the card though.
Not really fraud. Synchrony would no doubt frown on it but PayPal is the one processing the transaction and if they let it go through, they let it go through.
Obviously don’t go doing this a bunch of times but I doubt a one off is going to raise any flags at all. After all, the main card is a debit card and PayPal didn’t exactly put out a list of rules for using the credit card as a backup funding source.
Also, mine is very much still attached. 🤷♂️
It's not quite fraud, no. MS is "legal" in a loophole sense, despite being seriously frowned upon. Also considering the limit 25-50, doesn't leave much room for abuse either. Not going rampant and opening a hundred accounts, think US Bank would flag me first.
There's also the fact that it ALLOWS it, US Bank had the option to open the account with a credit card (I chose the debit option) Also how it was charged came up like a bill pay. So even run as credit, it would have just earned 2% instead and not a CA. Considering even doctorsofcredit, this site, and more have info on the best ways to do it... I don't think paypal is going to flag me over a $30 deposit.
If it was as dangerous a practice as flagging a single transaction as fraud, I'd think the relevant info would be out there.
Moving on topic: 03/20 still working.
There's also the fact that it ALLOWS it, US Bank had the option to open the account with a credit card (I chose the debit option) Also how it was charged came up like a bill pay. So even run as credit, it would have just earned 2% instead and not a CA. Considering even doctorsofcredit, this site, and more have info on the best ways to do it... I don't think paypal is going to flag me over a $30 deposit.
If it was as dangerous a practice as flagging a single transaction as fraud, I'd think the relevant info would be out there.Moving on topic: 03/20 still working.
@staticvoidmain wrote:
@Anonymous wrote:
Edit2: Thought you guys would like this as it's relevant. Decided to open a US Bank gold checking account, since it's free with my Cash+ card. Had the option to fund the opening deposit with a card, used my PPBD to test if backup was still working... It worked! It also lists as signature debit and qualifies, and shows on my CBMC. I just earned 3% on my own money.Correct me if I'm wrong, but this is considered a manufactured spend, can be viewed as fraud, and can get you flagged and banned. Just something to think about.
Also, my credit card is also still linked. I have not tested paying with the card though.
As others have said, fraud, no! Fraud is a criminal matter, MS just violates the terms of service in some cases. It could get your account closed if done "big" but this generally means at least tens of thousands per month, every month....
@longtimelurker wrote:
@Anonymous wrote:
It's not quite fraud, no. MS is "legal" in a loophole sense, despite being seriously frowned upon. Also considering the limit 25-50, doesn't leave much room for abuse either. Not going rampant and opening a hundred accounts, think US Bank would flag me first.
There's also the fact that it ALLOWS it, US Bank had the option to open the account with a credit card (I chose the debit option) Also how it was charged came up like a bill pay. So even run as credit, it would have just earned 2% instead and not a CA.
.Unfortunately, the fact that a merchant (in this case US Bank) allows something doesn't mean that the credit card issuer won't have problems! In my bad days, CVS let me buy $2500 of gift cards every day but eventually Amex decided this violated their definition of normal personal use.
But I agree that the amount involved in your transaction isn't going to raise issues.
I was meaning more towards the subject of fraud, but your points are definately still valid.