Let's say I'm paying for something on ebay or any other website or private person and I have a zero balance but I have a credit card for back up funds. When I make the payment and Paypal uses my credit card for the transaction, does money go into my account and then paid to the merchant and does this count as "money received" and put me closer to the $20,000 / 200 transaction limit before it is reported to the IRS?
