Paypal is not the same as a credit card. It comes straight out of your bank account, making it like a check but without the hassle of mailing it and perhaps having it get lost or stolen. Perhaps Paypal is not a good option for you, but I happen to like it. And BTW, I never said it was a good alternative to a credit card. I said I maxed out my credit card and used Paypal. My reply to this thread was because a poster didn't see the Paypal option.