Scams - Is a linked credit card the safest?

[Dosh2U]

I've recently suspected a scam so I'm just looking at how my account is set up.  I've got a nominated bank account and credits cards showing.  Someone said to me that a credit card is the safest way to pay as there is some inbuilt protection with the credit card company if a dispute arises.  Should I (can I?) just delete the linked personal bank account from my PayPal account or do I have to have a personal bank account to satisfy PayPal rules?

Any information on this would be great!

[kernowlass]

@Dosh2U

You can still use your cards instead of your bank account but i would leave your bank account linked 'in case' you ever need to funds payments from there as its free for friends / family transactions from a bank account OR sell something and want to withdraw the funds.

Click on the profile tab (icon next to log out) > Click on payments third option along on the thick blue band top of page > second down click on update next to your prefered way to pay and put a dot in one of the options listed.....your chosen card.

However you can 'also' click change during the payment process and select a card or another card during checkout.

[Dosh2U]

Hello, kernolass and thanks for your reply.  I've just logged into my account and there were just two icons to the left of the log-out icon, one for settings and one for messages. However, if I click on the summary tab at the top, there is a list of bank accounts and cards at the bottom right, which would allow me to change priority options for payment, which I guess is the same thing?

The reason for asking the question was that I saw something on-line suggesting not to link either bank accounts or credit cards to my account.  Here's the link:

http://www.nbcnews.com/id/42802448/ns/technology_and_science-security/t/nine-ways-stay-protected-whi...

Any thoughts?

[kernowlass · Accepted solution]

@Dosh2U

Thats a U.S article so doesn't really apply to the UK.

You have up to 180 days to open a dispute for unauthorised use on paypal in the UK.