OP, if you're still thinking about using Paypal to pay back some of the money you borrowed from your parents, you can downgrade CSP to CF and pay up to $1500 via Paypal in April. You'll earn 5% for that transaction which will offset some of the paypal fees. You won't get sign up bonus for CSR since you applied for a CSP in December 2016 due to Chase restrictions on Sapphire (one sapphire bonus per 24 months).