you can do chargeback with your CC on ebay products if there are any issues, as well you can even do it with paypal . Just remember every chargeback transaction you make affects your credit rating so if you end up doing a CB u should call your CC company and ask for details on that first
I've done tons of transactions on ebay so far so good most of the time its legit if the person's profile has alot of good feedback and has a good amount of transactions on his account . GOODLUCK