Credit Card Via Paypal

Buying or selling online or sending money to other PayPal users becomes even easier with a credit card via PayPal. You can fund your PayPal account in two ways: (1) with your bank account or (2) by charging the payment or money transfer to your credit card.

Credit Card via PayPal: Advantages

Credit cards and PayPal are a great combination for both buyers and sellers:

• Safety for buyers – Buyers receive two key benefits by using a credit card to pay for their purchases or to send money:
  • Safety – The receiver of the money from PayPal will not see the buyer’s credit card number.
  • Merchant protection – The buyer is protected financially against merchants who do not fully deliver the product or service with the price and quality as originally advertised.
• Added feature for sellers – Sellers can extend the payment options they offer their buyers through PayPal by accepting credit cards for purchases.

PalPal accepts a variety of credit cards including Visa, Mastercard, American Express and Discover Card. PayPal also issues their own credit card – the PayPal Plus Credit Card.

PayPal Plus Credit Card

This MasterCard credit card is designed specifically for PayPal members. It is issued by PayPal and serviced by GE Money Bank.

The PayPal Plus Credit Card has all the convenience of any MasterCard credit card plus it earns rewards and provides extended buyer protection:

• Cost-effective – No annual fee. No fee for additional cards.
• Competitive interest rate – Your variable APR is assigned based on your creditworthiness. This card is really designed for cardholders with very good to excellent credit. If you don’t have a long history of very good credit, the APR on this credit card can be very high.
• Convenient purchases – You can use your PayPal Plus credit card when making purchases or sending funds using PayPal. You can also use it online and offline, anywhere in the world that MasterCard is accepted.
• Cash access – You can request a PIN and use your credit card and PIN at any of the thousands of ATMs nationwide.
• Special offers – You can take advantage of extended payment plans and promotional offers which may be available for deferred interest payments on selected purchases.
• Easy payments – You can make your payment online or by mailing a check.
• Safety – Zero liability for any unauthorized purchases that are made with your credit card.

Earn Rewards

You will earn one reward point for every dollar you spend on your PayPal Plus credit card. As soon as you have accumulated 1,000 points you can redeem your points for free shipping or for a reward voucher that you use almost everywhere PayPal is accepted for payment:

• 1,000 points – Earns you free shipping up to $7 on a PayPal purchase
• 2,500 points – Earns a $25 reward voucher
• 9,500 points – Earns a $100 reward voucher

Extended Buyer Protection Policy

By using the PayPal Plus credit card via PayPal or at any MasterCard merchant, you can recover the full purchase amount if the merchant does not deliver the goods as purchased or if the items received are very different than described in the online listing.

Viewing Transaction History

You can view your PayPal Plus credit card statement in two areas in your PayPal account:

• For PayPal transactions – View your credit card transactions in the “History” area on PayPal.
• For non-PayPal transactions – Go to the your Account Overview page on PayPal and click the “See Credit Activity” tab to be transferred to the GE service site for PayPal credit cards.

How to Apply

If you live the United States and already have a PayPal account, you can apply online by clicking the “Plus Card” link at the bottom of any PayPal page. Your application will be reviewed immediately and a credit decision will be sent to you within thirty seconds.

Once you are approved for a PayPal Plus credit card, your card is automatically added to your PayPal account as an authorized funding source. Within seven to ten business days you will receive a welcome kit which will include your credit card, information about your credit limit, instructions on how to activate your card and information about how to access your online credit card statement.

Customer Service Help

Customer service help is available daily:

• By phone:

Hours (Pacific Time):
Monday to Saturday 4:00 a.m. to 10:00 p.m.
Sunday 7:00 a.m. to 7 p.m.

Application status – Call 866-571-3012
Account questions – Call 1-866-300-6432
Unauthorized transactions – Call 1-866-300-6432

• By mail:

General Inquiry
P.O. Box 98128
El Paso, TX 79998

Protect Your Credit Online

You should always concentrate on protecting your credit card security on PayPal, whether you are using the PayPal Plus credit card or any other type of credit card. Here are a few tips:

• Minimize the number of time you give out your credit card number. By using PayPal as a funding source, you only have to give your credit card number to PayPal, not to every merchant from which you are planning to make a purchase.
• Don’t give your credit card number directly to a PayPal merchant, either in an email or on the phone. They don’t need to know your credit card number. Register your credit number on PayPal. At your request, PayPal will arrange to have your credit card charged and will transfer the funds into the merchant’s PayPal account.

Take advantage of PayPal’s excellent website security. Enter your credit card number as a funding source on PayPal and you can enjoy the security of the PayPal website and process, without ever having to give your credit card number directly to a merchant.
[tag]credit-card,paypal[/tag]