I just use it to buy gift cards with Lightning or debit every now & then.

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I found the mortgage payments through PayPal the most intriguing use of the card.

I’m intrigued. I’m not sure how to pull that off with my mortgage.

But I’d like to try.

Set your mortgage lender up as a payee on PayPal. Should be a search option under bills. Make sure the fold card is your default payment method and you should be set.