You can lose your job, get high CC balances or say a lot of stupid things to the lender that will give them second thoughts to lend to you.

Here’s the big difference however...When a Tenant uses a Credit Card to pay rent they are on the ‘hook’ for the payment (if you call paying as agreed a ‘hook’)... there is no getting around it… if they place ‘chargeback’ it can easily be held up in court at a later date to force them to comply and pay their debt to the LL... if they fail to make their payment to their CC company... they are sent to collections... in other words...

Don't take a BG or CC from an applicant run your own.

I think the professional agents will be around for a long time....just my $.02on Car dealers Tesla is a HUGE DISRUPTOR  Just pop on Tesla.com   and see how easy it is to order your car in 5 minutes without ever talking to anyone.. price is the price there are 4 or 5 upgrades .. put your deposit on your CC and they build it for you.. 

I might suggest a bit more research in asking each provider some TOUGH questions as to HOW ACH and CC transactions are processed.In addition to trust but verify, my second favorite is "follow the money".

https://www.curbed.com/2020/4/1/21201051/pay-rent-april-strike-coronavirusInteresting and very one sided read about tenants organizing rent strikes and a few lessons for landlords “ie - don’t cc all your tenants in the same email”I was pleasantly surprised that the majority who commented about in her comments section were against it.

Lately, I've heard about developers getting serious about building infill housing in the class C/C+ areas, supposedly up to 50 in my area.

Ps buyer is not willing to come out of pocket on the CC.

Doesn't cost anything as long as the tenant uses a bank account and not a CC. 

If you'll be at peace paying off your CC, then do that.