PayPal is, in my opinion, one of the greatest financial tools available to us today. Whether you have a full-time business, a favorite hobby or just send and receive money from your family and friends, PayPal is a must-have tool. Instant access to your money via your PayPal debit card, gives you great financial flexibility. With the FREE card reader and handy mobile app, you can create income anytime the opportunity presents itself. I have been using PayPal for many years now. I have accounts for each of my businesses and a personal account I use when I am a vendor selling my books at events. I’m never without my card reader, just in case an opportunity presents itself. Here are my top 5 reasons why I believe everyone should have a PayPal account.
Reason #1 – PAYPAL IS FREE!!
FREE is a wonderful word. No one ever got mad at getting something for FREE. There aren’t many things in life that are free anymore, this is surely one of my favorites. There are no fees to sign up and no monthly fees to have a PayPal account. You are required to have a valid checking account, but you will never pay any fees to use PayPal unless you perform a transaction that is not with family or friends. When you do purchase something online the transaction fees are very reasonable.
Listen up college students! If you have a PayPal account, you can receive money from your parents INSTANTLY! No running to Western Union, waiting for a check in the mail, or driving home to get cash. Also you’ll eliminate hassles with a credit cards advances that tend to have HUGE finance charges. Simply request money with your personal URL and money can be sent to your PayPal account, giving you INSTANT access to your money. Sign up for your FREE Account Now!
Reason #2 – YOU GET A FREE DEBIT CARD
Even if you already have credit cards or debit cards, adding a PayPal debit card will surely come in very handy one day. In addition to having instant access to your money, your PayPal debit card works just like your bank debit card and with the MasterCard logo, it’s excepted anywhere a credit card would be. Sign up for your FREE Account Now!
Reason #3 – YOU CAN SELL STUFF AND TAKE CREDIT CARDS
Downsizing, moving, having a garage sale or just getting rid of stuff? Studies show that people buy more if they can use credit or debit cards. Even strangers can send you money as a friend and neither of you will pay a transaction fee. Getting rid of a couch? Take a credit card for the payment. Having a garage sale? Take credit cards for payments. Your money is available immediately and the mobile app allows you to get a signature for the sale. You’ll have no hassles with bad checks or cancelled payments. If your buyer has a PayPal account they can transfer money to your PayPal account as a friend without a fee to either of you. Sign up for your FREE Account Now!
Reason #4 – YOU CAN QUALIFY FOR INTEREST-FREE CREDIT
After you’ve been with PayPal a while and have established yourself as a responsibly user, you’ll have the ability to get PayPal credit. If you’re not familiar with this wonderful option, let me explain. PayPal credit allows you to buy things online (usually $99 or more) and get FREE (there is that word again) 6 month, INTEREST-FREE financing on your purchase.
I discovered this wonderful option the last time I purchased a new laptop. The PayPal payment option asked “would you like more time to pay for this purchase?” Why yes, of course I would! I’ve had my PayPal account for a while and it’s always been in good standing, so I was instantly approved for a $600 purchase. I could now pay off my laptop at $100 per month over the next 6 months, without finance charges. My credit buying power has grown to over $2500. I’ve never used all of it but it’s sure nice to know it’s there. Sign up for your FREE Account Now!
Reason #5 – YOU GET PURCHASE PROTECTION
PayPal purchases are protected by a guarantee that helps you if the thing you bought online turns out to be nothing like the thing that arrives at your door. I have only had to use this feature once but it was a breeze. PayPal is there to protect you, the consumer. Unlike some credit card nightmares you may have heard about, where the credit card company acts like they’re on the side of the seller, PayPal is your advocate. So go ahead and buy from eBay, Amazon, Etsy and all the other great online stores, knowing that if you don’t get what you believe you paid for, PayPal is there to help you. Sign up for your FREE Account Now!
Bonus Reason – THEY HAVE REAL CUSTOMER SERVICE
Even with all the other great reasons I’ve already given you, this is probably my favorite. When you need to speak to someone, you can speak to someone! It’s a little thing to some people but I appreciate a real customer service department. You can talk to real people who are truly there to make your buying experience a good one. They even give you the option to receive a call back if all their agents are busy. I’ve used this feature a time or two and they’ve always called me back sooner than their recording said they would. It told me 10 minutes once and the phone rang less than 15 second after I hung up. Gotta love that!! Sign up for your FREE Account Now!
As a point of clarification, other than being a PayPal customer, I have no affiliation with them. I receive no compensation from them whatsoever for this article. I believe in getting the word out on a good company when I have the chance. We are always quick to complain about companies that do a bad job dealing with us as customers, and rightfully so. I also believe that it’s equally important that we let people know when we’ve had a good experience with a great company.