I have been selling and buying on Ebay for many years, and I have been using paypal ever since it made its debut! Why on earth do I have to wait 21 days to receive my money from my paypal account, after I sell an item? This is absolute BULLSHIT!! I will not longer utilize paypal! It's time someone creates a new and approved paypal website, and has American speaking employees! As for credit checks, its time the president of the US, wipes everyone’s bad credit clean, and give everyone a fresh start! Those of us that are single, divorced people, with children end up with bad credit, because we either, pay a bill or put groceries on the table! The economy sucks! SO give those of us with "bad credit" a damn break! Not everyone has "bad credit" from being shopoholics!!!!!!