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I was cheated by a merchant who I paid via paypal, and never shipped the goods (a performance modification for my car). Paypal would not refund me any of my money until I threatened a chargeback, and then only 30%. I did a chargeback and got back 100%. Paypal never took away their 30. All in all, I still use paypal, but only when I'm positive the deal is safe, and I always fund my account with a CC that I know will chargeback on my whim.
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