I would recommend using your credit card with paypal since it will offer you more protection if someone steals your password and gets into your account. Luckily this hasn't happened to me or anyone I know, but it is a risk with any online account. Like the previous post warns, do BEWARE of phishing emails. NEVER respond to an email from "paypal". Always go directly to your account to check out a situation and never through an email link.
I have never had a problem with paypal even though I'm sure you can google it and find complaints. You only incur fees using this service if you sell on ebay. There are no paypal fees if you only buy.
Hope this helps.
Angie