I didn’t think about using it to pay my cc! Thanks for the input, using it for that alone would help me break even

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Definitely. It can take some effort (simplest is to use the PayPal Bill Pay feature and link the fold card, and make the payments from within PayPall), and there are some credit card companies who reject it. But for the most part it works just fine!

This can help:

https://blog.foldapp.com/fold-paypal-stack/amp/

I don’t really use PayPal but I’ll definitely look at that option now