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Old April 29, 2020, 11:37 PM   #17
Senior Member
Join Date: March 18, 2019
Location: Texas
Posts: 229
Originally Posted by foolzrushn View Post
veprdude On your #2 for the you mean to have a credit card linked to your Paypal account? Or using a Paypal credit card?
Please excuse the longwinded explanation, but all is relevant...

Always use a credit card with Paypal instead of drawing from your bank account.

This gives you 3 levels of protection. You can initially use eBay as a means of problem resolution but their customer service is overseas and often don't know what's going on or don't have the power to resolve issues. After that, Paypal can make decisions for refunds that eBay can't. For example, Paypal guarantees for 180 days for delivery of a product. If you forget to complain to eBay about an item not delivered after 30 days, you can have Paypal dispute the transaction. Lastly, your credit card company generally has final say on chargebacks for non-delivery even if Paypal is being stupid about it. You generally get 90-180 days to dispute charges with your credit card company.

That said, your credit card company matters. If you're using a Paypal credit card, it's likely a Synchrony brand card and they are complete crap for customer service. In fact, I would recommend against using them in gereral. If you're using a big name bank- Bank of America, Chase, Capital One, Wells Fargo (maybe) you have better odds of someone fixing your issue than a small bank. Also your relationship with them matters too. If you use your card a lot, they will be more likely to help you out even if it means eating the cost themselves.
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