I sell at BBay, but like the TV advert goes, I'm a customer too, and I've never had any problems. I think if you go with Paypal they don't need any credit card information at all, at least that was the way it worked when I used it on another vendor. The reason for all this rigormorle is: bottom line, credit card companies don't like working with any vendor that sells a product that can't be returned. Downloaded items are a whole new area, remember, something that didn't exist a couple of years ago. BBay has had problems, DAZ has had them as well, and recently changed the artist's cut to help cover losses.