2 things I can add:

1. I feel very safe using my Credit Card for on-line purchases. A few times I had unauthorized purchases on my card, I called VISA and they made me sign a simple affidavit to say it wasn't me, and they immediately refunded the money. Another time I was going to buy something from Russia, and I was a bit leary, so I called VISA to check the vendor out... all they told me, if they accept VISA, "go ahead and don't worry.. if anything goes wrong it is our (VISA's) responsibility..."

2. I use PayPal too whenever a vendor prefers it. I usually use my credit card, BUT I also use my chequing account. Howver, YOU HAVE TO HAVE YOUR ACCOUNT VERFIIED before you use it for the FIRST time... it takes a bit of time, but make sure you follow their instructions.... Otherwise it's always instant, and the vendor NEVER sees what you used i.e. VISA or Chequing Account.

Good Luck and Happy Shopping.

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