well, Mary, not to hijack your thread, bu I thought I"d add something I've learned.

I like to shop ebay. I use PayPal. When you set it up, you HAVE to set it up to debit your bank account. You MAY add a credit card. DO THAT.

Each time you make a purchase, you go to PayPal and it is automatically set to debit your bank account. You MUST change the payment method to your credit card. DO THAT.

I had a problem with one purchase last year; it never showed and the Seller stopped replying to emails. If I had to contest it through PayPal, THEY CHARGE YOU 10% OF THE VALUE YOU PAID; whether you ultimately recover any funds or not.

My credit card company handles challenges for FREE. Gee, was I glad I used my credit card! It is a nuisance changing it on each purchase, but I gladly go through the extra steps / clicks to change the payment to my credit card each time.