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Credit card is the way to pay most fees. You will pay lot of fees and credit card company may consider it cash advance and charge extra interest.

Is there a difference if you use a debit card connected to an account as far as fees are concerned? I read elsewhere it is much quicker that way.

Gdax doesn't allow using debit card and gdax is the only way to buy with 0 fees, and coinbase charges high commission on all buys plus you have higher price.

Your balance is below $0.1. This is your 2nd notification that your account is running low and should be replenished.