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#13
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That used to be my rule of thumb as well and most of the time it's very good advice. The problem is timing. In cases where I might have the Paypal funds to cover it in two or three days, but I don't have it today, it is helpful. If an auction is ending shortly, and buy it now pay immediately, there is no reason to lose out on a good deal on an item because you don't have the money right this second. Definitely not a good approach for people that have problems with credit cards but that is not me.
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