I just made my last payment to my Paypal Buyer Credit account on Mar. 31, and closed it out completely today! I am so happy to be rid of the damn thing and don't want to have anything to do with them for as long as I live. I cancelled my membership with eBay the beginning of the yr. and haven't purchased anything since. I feel like a gigantic burden has been lifted off my shoulders and don't miss the buying and selling at all. After reading all the troubling threads on this forum, I'm so happy to finally be rid of it once and for all and not a moment too soon!Sorry to sound so high and mighty, but I'm just really relieved and giddy right now! Thanks for listening everyone!