My advice is to never use a debit card as they take your cash in hand. Always use a credit card and one that you are comfortable with the customer service. I got scammed on pay pal buy a company that ended being in China. They used a tracking number that they had obtained for some product that got delivered to some other address. When I started a dispute, Paypal said the tracking number said it was delivered so therefor I must have gotten the product...well 1. I doubt the USPS put a futon mattress in a mailbox 2. I contacted USPS and they compared my address with the tracking and obviously it wasn't the same. Fortunately I put the charge on my credit union visa card and explained the situation to them (they actually listened) and they reversed the charge. My final solution was that I have not nor will I ever use Paypal again. Had I just spent the extra couple of seconds to pay directly by credit card in the first place, I could have skipped the middleman and had the charge reversed without wasting my time trying to go through Paypal. This response is the first time in 8 months I've even logged on to Paypal as I got a notifcation about this topic. I thought I had cancelled my Paypal account. This is a reminder that I need to make sure that gets done. If you have a decent credit card, there's really no reason to use Paypal.
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