I recently sold some items, so I have a balance on my paypal account. Now I am considering purchase a very value item from eBay, but I am wondering if I should use the paypal balance to pay for the item, or withdraw the money from paypal, but use credit card to pay for the item. I read lots of story of paypal is not protecting buyer when receive a fake item, but by using credit card through paypal, the credit card company can do a "chargeback" to paypal if the item indeed turns out not be as described. As a buyer, what should I do? If I do receive a fake item, how do I do chargeback from my credit card? Thanks for all your help.