<prompt> Human: Or maybe just the pros and cons of both?? Ive been reading personalfinance and it seems most people here think there are more protections ?? with a CC than Paypal. I remember that Paypal was supposed to be the way to pay for things safely online when it first arrived but i dont get that feeling here and id love to understand why so i can explain to my father who is 100 on board with paypal being the bees knees and have your reasons to back it up.Thanks!  <response>: PayPal has a reputation of being slow and harsh with disputes. It made a lot more sense in the early days of the web when sites could all just take PayPal as a middle man for all kinds of transactions, but pretty much everyone will just take CCs now. CCs can instantaneously reverse transactions, and wont try to tap into your bank account like PayPal can when linked.CCs also usually have additional rewards for using them, and many offer special features like price protection or insurance. 