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  • #51
    Originally posted by Ancurio View Post
    The reason I prefer PayPal over credit cards? Simple: Credit cards cost money, even when you don't use them. I already have a bank account, why should I spent money on a credit card when I can simply let PayPal directly take the money from my bank account?
    Meanwhile, that doesn't work in Europe, you can only connect credit cards to PayPal.

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    • #52
      Originally posted by Marc Driftmeyer View Post
      In short, welcome to the '90s in the US Federal space.
      Yeah, that was my point.

      Just another casualty here. An entire country as it were.

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      • #53
        There are at least two bigger banks in germany where you can have an account free of cost and get a visa credit card free of cost.

        Not to advertise, but here is one: http://www.comdirect.de/cms/girokonto.html
        I'm sure you can find others.

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        • #54
          Originally posted by Ancurio View Post
          The reason I prefer PayPal over credit cards? Simple: Credit cards cost money, even when you don't use them. I already have a bank account, why should I spent money on a credit card when I can simply let PayPal directly take the money from my bank account?
          That's not true. There are enough cost-free Credit Cards out there. In the US as well as Germany and the rest of Western and Central Europe (never lived in the eastern part). Of course, you will need to look for those as banks want to get as many fees as possible.

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          • #55
            Originally posted by AJenbo View Post
            Get a debit card or some other card that doesn't cost you any thing to use or own.
            Why? What kind of advantage would I gain.. ?

            Originally posted by GreatEmerald View Post
            Meanwhile, that doesn't work in Europe, you can only connect credit cards to PayPal.
            It works in Germany at least, not sure about the rest of Europe.

            Originally posted by Asariati View Post
            That's not true. There are enough cost-free Credit Cards out there. In the US as well as Germany and the rest of Western and Central Europe (never lived in the eastern part). Of course, you will need to look for those as banks want to get as many fees as possible.
            That might be true (haven't researched this too thoroughly back then), but why should I do this when I can just use my regular bank account.. ?

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            • #56
              Originally posted by Ancurio View Post
              Why? What kind of advantage would I gain.. ?
              You said that the down side for you with a credit card was the cost of it. I'm just telling you that you can get some with out fees. The benifit is the same as we a credit card, maybe without an option to pay more then you have in your bank account.

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              • #57
                Originally posted by Ancurio View Post
                It works in Germany at least, not sure about the rest of Europe.
                Good for you, then. It doens't work in Lithuania, at least.

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                • #58
                  Originally posted by AJenbo View Post
                  You said that the down side for you with a credit card was the cost of it. I'm just telling you that you can get some with out fees. The benifit is the same as we a credit card, maybe without an option to pay more then you have in your bank account.
                  Yeah I can avoid that downside maybe, but there's no point in a credit card for me if I can do everything with my bank account.

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                  • #59
                    Originally posted by Ancurio View Post
                    That might be true (haven't researched this too thoroughly back then), but why should I do this when I can just use my regular bank account.. ?
                    With a credit card you can pay without a stupid TAN. There are actually banks that send you a list of TANs on a sheet of paper! And I wonder: Why is it that I can give my account number to someone and that someone can just debit money from me without interaction from me and when I want to send money with debit transfer I need that stupid TAN?

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                    • #60
                      Originally posted by ChrisXY View Post
                      With a credit card you can pay without a stupid TAN. There are actually banks that send you a list of TANs on a sheet of paper! And I wonder: Why is it that I can give my account number to someone and that someone can just debit money from me without interaction from me and when I want to send money with debit transfer I need that stupid TAN?
                      OT:
                      Security?! I know nobody who still uses paper based TAN lists. Most of the people I know use a TAN generator. And the difference between sending money with TAN and debit money without your interaction is the possibility to get your money back.

                      Transferred money with TAN -> gone forever.
                      In the other case the one who debit money from you has to prove that you bought something otherwise you can get your money back.

                      Additionally all European countries (and other probably too) accept eletronic-cash (maestro) which you get with every giro in Germany. Together with paypal (where you don't need a credit card in Germany) I can do everything I want. So why bother with creating another bank account to get a free credit card or get a credit card with a yearly fee?
                      That's at least my reason for not having a credit card.

                      But we are drifting away from the original topic ;-)

                      //edit:
                      "Transferred money with TAN -> gone forever." <-- In case someone is wondering why this is an advantage: You usually pay less in (online) shops if you use this payment method, because the shop has the guarantee to get the money.
                      Last edited by droste; 07-29-2013, 05:00 PM.

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