I got screwed in 2002 on EBay using paypal: product never shipped but they kept the money. My CC company refunded me, but paypal wouldn't let me use it again until I paid the $500 that the CC company reversed. A few years later PayPal offered amnesty and waived the $500, so I started using them again in 2006, still using them. Damn, that's almost 17 years.