Credit card denied for no reason (according to my bank)
I have a credit card which I have been using to pay for skype automatically. all of the sudden it stopped working was ''denied'' and i have no idea why. I am unable therefore to put money into my skype account so I can use it to make calls... Love to fix this as soon as possible as this is my primary way of making calls.
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Credit cards work on "credit" meaning that the card company trusts that you are good for the money and you pay a bill at the end of the month. Debt cards are similar to credit cards in the way that you can pay for things without cash. However, when a charge goes through on a debit card it is taken immediately and directly out of your bank account. Many people prefer this method because it prevents you from going into credit card debt.
Im not sure which country you live and the banking system regulations you might be better of paying bills through a direct debit to avoid cash price penalties which banks charge for credit card payments but to answer your question you should be able to pay bills by your credit card as long as you have a good credit rating (you might not need a rating at all) hope this helps
You don't actually have to transfer money into your Paypal account from your regular bank account in order to pay with Paypal.
Just make sure that your linked bank account is confirmed as your PRIMARY FUNDING SOURCE in your Paypal account PROFILE SETTINGS.
Then whenever you make a purchase using your Paypal account, the necessary funds will be drawn directly from your regular bank account automatically by Paypal.
If you already have some money in your Paypal account, then Paypal will automatically use that money first, then take out whatever remaining balance is necessary from your Primary Funding Source bank account or credit card.
So in short, you don't have to worry about putting money into your Payypal account in order to make a purchase. Just make sure you have enough of a balance in your bank account or credit card to cover it and the money will be transfered automatically by Paypal, as long as that account or credit card is set as your Paypal Primary Funding Source in your Paypal account profile settings.
I'm not sure if you're posting this question in the right place but here are my suggestions based on the info you are providing in your question:
1. find out with your financial institution if they will be providing a replacement card, most financial institutions should do this automatically and advise of your creditors that a replacement card is being issued. you may need to contact them directly and let them know of any changes prior the expiration date but get the new card before.
2. if it's a matter of paying one invoice there are always alternative solutions that should work, a debit-credit card from your bank, a wire transfer from your bank account, a money order are widely accepted solutions.
3. get the payee to change the credit card for another credit card you may own or someone else's credit card that may allow you to use it temporary, you can always pay that person in cash for a couple of months until your get your credit card issue or paypal issue resolved.
4. have you tried to load your paypal account from your bank account, simply go to www.paypal.com, log in and under the load section you should be provided with links to load your paypal account from a bank account, have your bank account info ready.
i would recommend using a credit card that way it is easier to obtain a refund through your bank than it would be via paypal. Be very careful using paypal i have had them rip my off charging my credit card and i am not even a member!! At least it was very easy to get my money back and my bank suggested i get a direct debit credit card and have a zero balance only putting funds into that card when i want to make a purchase. Desputing funds through the bank is a simple and relatively quick process but paypal a gamble indeed. Hope i helped.