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|You may think that PayPal is the only way you should pay on eBay if you want to be protected. You can’t be more wrong. If you want full protection on your eBay purchase, a credit/debit card is the ONLY way go. |
To start a claim, it is as simple as contacting your credit card company. They will instantly issue a temporary credit to your account while they investigate your claim. PayPal won’t do that. They force you to wait from a week up to several months! Google “PayPal” and see for yourself all the horror stories.
If you use a debit card, you have two months from the date of the transaction to file a claim. Visa, MasterCard, and Discover credit cards will usually give you 6 months. American Express will take your claim regardless of when the transaction was. That is something PayPal will NEVER be able to offer!
But if you plan to take advantage of this claim process and submit fraudulent claims, you can expect to spend some time behind bars.
Here is something else to think about. When you go to a restaurant, do they let you pay with PayPal? How about the grocery store? Is PayPal offered? The point is, LEGITIMATE BUSINESSES accept credit/debit cards. That means behind the eBay mask, you are dealing with a real business.
You should be very skeptical of an eBay seller who only asks for PayPal as payments. Chances are, you are not dealing with an actual business.
How fast do you think that seller can take your hard earned money and run? Take this scenario for example:
You pay for your item. The seller states it takes 5 business days to process the order and ship. On day 2 the seller transfers the money to his bank account. The transfer takes 1-2 business days. Day 4 comes and the seller has your money in their bank account and closes their PayPal account. Day 5 comes and you can’t get in touch with your seller. You file a claim and will now be waiting a week to several months for a resolution. PayPal will report to you that your seller has closed their account and there is nothing they can do. You didn’t expect PayPal to refund you out of their own pocket, did you?
Always use a credit/debit card for your eBay purchases! If you don't have one, get one now to insure your safety on eBay!