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TBobthe truth is that a lot of bidders don't have the ready cash to pay for eBay items and must resort to credit cards. Rather than go through the hassle of accepting credit card payments (being a collector and small time seller), it is easier to use PayPal for credit card users. Very rarely do I sell a card for more than $100 where the buyer sends a money order or check, usually it is a credit card transaction. I have learned one thing though, I will continue to keep my PayPal balance low so that my larger purchases through them will be credit card transactions and I can do as Dan suggested and cancel the credit card payment if I get shtooped.