Re: ebay account & VCC
No you don't HAVE to. Like JamesNorth101 said its highly advised. It only makes your account stronger, removes limits, and gets yourself on the good side of Paypal. By no means does adding a VCC negate stealth practices, but its always helpful to provide as MUCH information to paypal as you can.
Its the whole "acting like your a real person" in their eyes that makes it worth it..
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