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PayPal MC dispute resolution

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Mega Contributor

Re: PayPal MC dispute resolution


@Saeren wrote:

The drawbacks of the Sync card - no notifications for transactions, no dedicated app, clunky portal, etc far outweigh the lower APR (21.24 vs 25.15) and .5% higher cash back over my trusty QuickSilver so I'll probably get rid of the PayPal in January when it turns a year old if these things aren't sorted.

I guess this is more of a Your Evaluation May Vary thing.   I still think of the PP as the best of the 2% cards as I don't need notifications and rarely need to dispute transactions on the card.   (That said, moving to CFU for other reasons!)

Message 11 of 20
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Super Contributor

Re: PayPal MC dispute resolution


@longtimelurker wrote:

@Saeren wrote:

The drawbacks of the Sync card - no notifications for transactions, no dedicated app, clunky portal, etc far outweigh the lower APR (21.24 vs 25.15) and .5% higher cash back over my trusty QuickSilver so I'll probably get rid of the PayPal in January when it turns a year old if these things aren't sorted.

I guess this is more of a Your Evaluation May Vary thing.   I still think of the PP as the best of the 2% cards as I don't need notifications and rarely need to dispute transactions on the card.   (That said, moving to CFU for other reasons!)


Transaction notifications in a timely manner can help prevent further fraud. They often do small transactions to test a card before doing a larger one and as everyone knows, the sooner you catch fraud, the better. 

It’s really the way that Sync handles disputes and fraud claims that turns me off though. I shouldn’t have to file a police report because somewhere there was a breach and thieves on the internet got my card number. That is worth more than .5% on a ridiculously small amount of my credit card spending. 




01/2019:
04/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.

P.S. I’m a dude, yo!
Message 12 of 20
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Valued Contributor

Re: PayPal MC dispute resolution


@longtimelurker wrote:

@Saeren wrote:

The drawbacks of the Sync card - no notifications for transactions, no dedicated app, clunky portal, etc far outweigh the lower APR (21.24 vs 25.15) and .5% higher cash back over my trusty QuickSilver so I'll probably get rid of the PayPal in January when it turns a year old if these things aren't sorted.

I guess this is more of a Your Evaluation May Vary thing.   I still think of the PP as the best of the 2% cards as I don't need notifications and rarely need to dispute transactions on the card.   (That said, moving to CFU for other reasons!)


Exactly my point Longtime....BUT it is like insurance....I HOPE I don't need it BUT when I do, it is nice to have it waiting there for me, even if only once....so guess I look at everything a card has and pick the best....luckily some of us are in a position to be able to move over to another card with the benefits we want. Personally I do not think making a dispute easy is a "benefit" that is a RIGHT.....LOL

Message 13 of 20
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Super Contributor

Re: PayPal MC dispute resolution

My expectations of default CC CS are pretty low. I usually go with an Amex or Chase card (which give me premium service tiers) for anything that might get complicated with a questionable merchant.
Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC, ED, QS
Upgrade/downgrade games: BCP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 14 of 20
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Established Contributor

Re: PayPal MC dispute resolution

yeah, surprised you didn't contact PayPal first.

 

Anyway, I only use this card in person. Never online, except for PayPal purchases. This is almost guaranteed to avoid problems like this because Synchrony is not good with disputes.




Message 15 of 20
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Mega Contributor

Re: PayPal MC dispute resolution


@staticvoidmain wrote:

yeah, surprised you didn't contact PayPal first.

 

Anyway, I only use this card in person. Never online, except for PayPal purchases. This is almost guaranteed to avoid problems like this because Synchrony is not good with disputes.


I guess most of the bigger things I buy are through things like Amazon or from big dealers who will try to make things right.   But yes, if things might be sketchy, probably another issuer would be best.

Message 16 of 20
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Moderator

Re: PayPal MC dispute resolution

Since this involves the dispute process moving thread to 'General Credit' for addtional exposure.

 

--UB

Message 17 of 20
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Established Contributor

Re: PayPal MC dispute resolution

All pf the above is when I am ready to apply for a 2% back card i will app for the City dc.

Message 18 of 20
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Established Contributor

Re: PayPal MC dispute resolution

It is still a solid cash back card, if you know when not to use it. It is still my default credit card everywhere, even abroad (no FTF). This never leaves my wallet, which is why I hate the fact the Sync does not offer contactless on their cards.




Message 19 of 20
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Super Contributor

Re: PayPal MC dispute resolution


@staticvoidmain wrote:

It is still a solid cash back card, if you know when not to use it. It is still my default credit card everywhere, even abroad (no FTF). This never leaves my wallet, which is why I hate the fact the Sync does not offer contactless on their cards.


You're brave using the card abroad... I would use my Capital One to make sure if I have any problems, I'm covered. 




01/2019:
04/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.

P.S. I’m a dude, yo!
Message 20 of 20
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