From what I've read it seems any funds in your PayPal account that you transfer from a bank account have to be completely wiped out before PayPal offers you the option to use a credit card. I guess this makes sense for them, financially, since they're earning revenue from hanging onto your money. On the other hand, it's kind of goofy that they don't just set a minimum amount, such as $5 or $10, since they could continue to earn revenue on that money while you use your credit card for other purchases. PayPal is also making it challenging for customers to use credit cards (at least their own credit cards--I don't know if it's different if you apply for a PayPal credit card), since it's so difficult to deplete funds down to the exact penny. I didn't get to use PayPal for the Best Buy offer. I don't know why PayPal would even pay to market the offer, since Best Buy didn't offer the deal long enough to be able to complete a transfer to my PayPal account. In my opinion, a better use of their resources would be to hire more customer service agents to answer customers' questions instead of paying to advertise offers that most people couldn't take advantage of anyway. Now I just disregard all PayPal offers. It's a shame that PayPal is jeopardizing their reputation. For a long time the site has been regarded as a very safe way to conduct online transactions but if their customer service continues to be non-existent I'm guessing they'll be edged out of this market soon. I would suggest that all customers with a complaint send letters to the editor of Forbes magazine, CEO Steve Forbes, at readers@forbes.com. If the magazine receives enough letters they may be motivated to have someone follow up on the problems with PayPal. As a former journalist, here are my suggestions to ensure your letter is taken seriously: Keep it brief and to the point; don't stoop to tacky comments or name-calling; include your first and last name, city and state and legitimate contact information so a reporter can get ahold of you if they want to include your comments in an article. Be sure everything you put in the letter is information that you're willing to own up to if it is made public.
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