Do you have paypal? If not, why not? If so, how often do you use it?

[GE Master]

It took me until six months ago to finally get a paypal account! I think it was lame of me to wait so long honestly. Seems very secure but man, be careful of the phishing email scams!! Don't trust all emails claiming to be from paypal. Be very careful of that. They back up their service pretty well in that if you get scamed, you will get your money back. At least that is my understanding.

[Carnivorous Yam]

I have it, don't use it too often though only when I need to make the occasional online purchase. There are a lot of scam emails and all that (some very well made ones too) but just make sure you check the link before you click it. I've heard some horror stories (www.payalsucks.com) but I haven't had any trouble myself.