My seller refunded me thru PayPal this morning! Guess he couldnt sleep well last night? ha. Anyway, since PayPal denied my claim and sided with the seller, I called my CC company last night which happened to be the PayPal Visa card. I wanted to do a chargeback. Well get this, if you paid with a PayPal Visa Card and PayPal denies you your claim, you are NOT allowed to do a chargeback! So we are NOT protected with the PayPal Visa Card! I read thru the entire agreement last night and it doesnt say anything about that. But as soon as my refund gets posted back to my card, I am closing the account! I dont recommend the PP Visa for any eBay transactions girls!