Originally Posted by ZeeOSix
Isn't PayPal just a money transfer service between a seller and a buyer? If there's a dispute between you and a seller that you used PayPal to pay them with, is PayPal really going to do anything about the your dispute with a seller?
If you bought an item on eBay for instance, and you paid the seller with PayPal and then you had a dispute with the seller, isn't it going to be the seller and eBay that get involves in resolving the dispute ... not PayPal.
I didn't say anything about a dispute with a "seller". I said a dispute with PayPal. They like to be judge and jury when it comes to problems and they have this crappy system of resolving issues though long drawn out web forms and waiting for the he said/she said. If I don't get satisfaction from PayPal then I just pickup the phone and call my credit card company. "Hello credit card company? I didn't authorize this charge". Or "There is a problem and Ebay isn't helping, if you want your money you better backcharge paypal"...Click. Problem solved.
The CC is a 2nd, stronger layer of protection. If you let them direct debt out of your checking account then you are at their mercy to return your money if any problems come up.You have no leverage. That is why they push so hard to link your checking account rather then a credit card.
With a credit card you have a ton of legal protections. With paypal/ebay you have what ever their company policy is that day. Their TOS is to protect them, not you. If you don't agree with the decision and they already hit your checking account oh well. I would rather risk the CC company's money then my own in this deal.
If fraud happens and someone charges a ton of crap to your credit card then the
credit card company has a problem. You are NEVER responsible anything you didn't authorize.
If fraud happens and someone direct debt's you checking account then
you have a problem. Have fun fighting it out with the banks.