Which is cheaper: Credit card or PayPal ?

[Aggro]

...for US dollar purchases with a non-US credit card after taking into a/c all ex rate fees etc ?

(We are talking *generally*, assuming the same US$ value online purchase. Paypal funded by same credit card)

 

[Spade]

Well now... its gonna depend on the interest rate of your credit card, dont you think?

 

[fab]

It depends on the seller. Usually I don't need to pay for extra no matter I pay by Credit Card or Paypal.

 

[netzilla]

I am with Fab...I don't either.

 

[deu12000]

It depends on how you fund your PayPal account. If you fund your PayPal account with a credit card (which you have to pay interest on) it will be more expensive than funding it from your bank account (which doesn't charge any fees since you already have the money). Of course I'm from the US so that's my point of view. It might be different for you, I don't know if you have to pay any fees for $ exchange or anything like that.

 

[cache]

if you use ebay, PayPal has lower fees for the seller.

 

[Aggro]

Well now... its gonna depend on the interest rate of your credit card, dont you think?

Irrelevant - if the interest free period is taken advantage of.


The question mainly for those non-US users with past experience is:

Which debit (paypal funded by CC or CC directly) will show up on the CC statement lower in cost for the same $ value purchase ?

 

[fab]

The question mainly for those non-US users with past experience is:

Which debit (paypal funded by CC or CC directly) will show up on the CC statement lower in cost for the same $ value purchase ?

Now the question is more clear.

It also depends, you need to find it out yourself.

Paypal charges different handling fees for different countries when you fund it by CC. Your CC company may (or may not) impose some handling charges when you pay foreign currencies. It really depends.

For my CC company it doesn't charge me any extra, but I don't know if it earned something from the exchange rate.