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Same boat here but realized that with CashApp, you can pay by Credit Card and the other person can deposit into their bank without fees on either side!
Bring on the tankless water heater!!!!
cash.app
Cash App - Do more with your money
Cash App is the #1 finance app in the App Store. Pay anyone instantly. Save when you spend. Bank like you want to. Buy stocks or bitcoin with as little as $1.