Unfortunately, your post is full of ignorance. 1. PayPal offers buyer protection, and this includes return shipping refund. PayPal will actually cover the return shipping cost of the seller will not. 2. Pointless, baseless statement. 3. Because of the security. If you use a credit card to purchase from 10 different websites, for example, that is 10 different chances that your card details could be saved at that merchant's website/database (even though they aren't supposed to do this.) So that's 10 chances that a bad employee of one of those places could steal the information, or that an honest company simply has a breach of some sort where all of your information was included. By protecting your credit cards and bank accounts behind a PayPal account, no such problem exists. The only place your data gets stored is with PayPal, who protects their servers with top notch security and services. Is it 100% un-hackable? Probably not. But that's only ONE chance instead of 10 (in this example) that something bad could happen. Also, I would guess you shop at more places online, which expands that chance even more. 4. This is basically a repeat of your #3, but no, you don't save time. When you have to use a credit card you have to fill out billing forms, card details, etc. With PayPal you simply login to your account and you're done. No filling out forms, no getting up to go find your wallet so you can type out your credit card number. Also, you get the same protection from the card banks through PayPal as you do when you pay directly. So you actually get a double layer of protection when you use a card through PayPal. Please do not spread all of this incorrect information online simply because you made a mistake and had a bad experience.
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