I've been using it alot lately both as buyer and seller. As long as you are dealing with somebody you know it's great. Saved me a good bit of money on some lots I've bought. pretty much zero protection though. On the issue of using a credit card to send a gift for some protection, it is pointless. I tried doing it on one deal as an experiment and if you try to send gift with a credit card it charges you a fee as the buyer. If you are going to do that, you may as well just pay regular paypal and agree to cover the seller's fees.
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