Quoted from Leeb18509:
Ok, but why would you use a credit card with F&F when you'll end up paying the 2.9% fee anyway if the point is to avoid the PP fees? Just use goods and services and you'll get the PP protection built in (plus your CC if you need it)[quoted image]

Normally PayPal fees are applied to the seller, not the buyer. A seller may want to use F&F to avoid the fees while having some extra peace of mind when selling to a stranger. The buyer will then front the fees if they choose to pay with a credit card. It's a reasonable compromise for the buyer because of the convenience of being able to pay with a credit card as opposed to cash.

I have done several transactions for pins via PayPal and have had no issues, but to friends and acquaintances only. I wouldn't trust it with strangers.

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