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Josh K.even though you may agree to let paypal handle the situation, if you report it to your cc company, they will investigate and take action if warranted under their own policies/practices. The cc company is not bound by your paypal agreement. Paypal does this, I presume, to try and prevent the cc companies from taking back money thereby costing paypal money. If they wanted to, paypal's recourse would be to claim that you violated your deal with them - but experience tells me they wont do that.