Whether to use a credit card or bank transfer to pay for Bitcoin or Ether is kind of a conundrum for me. I usually use Coinbase and they charge 4% for CC transactions but I use a card where I get a 2% cash back reward for purchases so really I'm only paying 2% and the funds are available immediately.

Using a bank account, the fee is slightly less than with a CC but then I have to wait 5 business days to do anything with my purchase and we all know how much cryptos can fluctuate in that amount of time.

So if I'm buying BTC or ETH to hold for awhile I'll use my bank account but if I'm going to trade it for STEEM or some other coin I'll use the CC. And any time I buy STEEM I do so via Blocktrades as they've always impressed me with the service they provide. It's fast and very easy to do.

I'm kind of tempted to buy some more STEEM this morning with some BTC I have left from my purchases a couple of weeks ago. I want to hold some BTC and ETH in case STEEM goes even lower than the 0.00022 / BTC threshold that we've seen act as support the past month or so but I also don't wanna miss the boat if STEEM goes up. I don't have nearly as much SP as I want to have. I'm sure I'm not the only one...