"If I pay by credit card, I can get my money back very easily if the

Reality: False. There is a possibility you can get your money back, but definitely not easily. There have been many reports from customers which say VISA/Mastercard have declined their disputes because they say they are only a payment processing company and are not responsible for disputes between customers and merchants. And when VISA/Mastercard steps in to settle disputes, it requires hours of non-stop faxing of paperwork and bureaucracy. That is on top of the fact that VISA/Mastercard can refuse to refund you for purchasing an illegal product.