American Express and PayPal- is it a good idea?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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ivotedale
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American Express and PayPal- is it a good idea?

Postby ivotedale » Sat Jul 27, 2013 12:59 am

I could've sworn I've seen a similar subject on the forum before, but does Amex look down on such like eBay/PayPal transactions?

I enjoy shopping for smaller items on eBay (less than $20 average/ item); will it be bad to have it connected to my PayPal account? I don't partake in any weird activity that might trigger any review, but again I heard they don't enjoy seeing transactions like auction sites/gambling/etc.

Just my thought for Friday, otherwise, all my online eBay spending goes on the Chase Freedom.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF


wizozzie
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Postby wizozzie » Sat Jul 27, 2013 7:08 am


I use my AmEx for almost all my spend. They've covered me with fraud, called me when they saw some strange spending... they like that I use my card, and I like that they are watching what I spend. It's a good relationship.

I use my AmEx for my buying (and selling) activities on PayPal, and have for years. Lots of small charges. No problem with AmEx if you have a good history with them. One of the best ways to use an AmEx with an eBay selling account is to make yourself an AU. Just a thought if you're concerned about the security side of it.

I think using PayPal as a conduit for eBay auctions is very far from using your card for buying a gambling marker (which is illegal anyway).

-wizozzie

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MemberSince99
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Postby MemberSince99 » Sat Jul 27, 2013 7:46 am

I've read stories on the FICO forum that this COULD trigger scrutiny from Amex of the negative sort. I've also read stories on FICO (and in national news outlets) that using the card at Walmart combined with certain other things at one time triggered the same thing. (Amex claimed that's no longer true, but who knows).

Hard to say but think about it this way - if you are just using your card for legitimate purposes doing nothing wrong, should you have to live in a constant state of fear over what your lender may do to you for it? Frankly who needs that - we have the government to keep us in a constant state of fear to control us already.

Just live your life, use your cards to help you live it, and if they AA you for it, move on to the next lender with the bulk of your spending. One of them will appreciate and reward your business - if it's Amex great if not, you have plenty of options. That's how I'm looking at it.

Not meaning to annoy the Bear of course!

ivotedale
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Postby ivotedale » Sat Jul 27, 2013 8:10 pm

That's assuring to hear guys.

My Blue Sky is my main card, and only use the Freedom as a back up if I HAVE to. Sucks that you need a $20.00 minimum to claim any rewards in cashback.

I think I'll try out the Amex for the eBay/Paypal stuff now!
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF



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