Yeah I try not to pay with stuff with paypal with my checking account. I use the credit card. It has been known for some time that pay pal is crap with fraud so use your credit card with paypal and if something happens go through your credit card company to get it resolved it is much better and faster. Don't fall for the crap pay pal tries to tell you about that if you use a credit card you can not be protected with pay pal.