I have a different email address for ebay and paypal so if something comes to my main email I know its false. I just send it to paypal or ebay. I have had PayPal for a bit now and haven't had any problems. I am keeping my fingers crossed. I don't have a credit card. so It is attached to my bank account. and I never have too much in there. I have a friend that has a separate bank account for her paypal with a minimum amount in it. I may just do that in the future.