I've been bitten before by the fact that if you don't use PayPal, eBay's interest in helping you with a refund dispute is exactly zero. And now I learn this. I guess PayPal + credit card is the way to go if you want any chance of a successful refund.
Unless you're getting boned with pseudo credit cards which are debit cards in disguise.
Direct banks such as ING or DKB in Germany are offering those cards but dear god if you have a dispute. Money is gone from your checking account right away and you don't get the convenient fraud protection of actual CCs.
