I used a CC with JTime, Chazing Time, Trusty and Kuvarsit around 2-3 years ago or so. Other than a conversion fee and something that I think most people call a convenience fee, which I expected, no probs. Great transaction with JTime. CC not stolen, no fraudulent charges, no prob with any of those dealers. Plus, you're not liable for unauthorized charges under your CC agreement. So no worries at all imho. And, I had the option to submit a chargeback (with the consent of the RWI Mods) if a purchase went south. You don't have that protection with other payment methods that I'm aware of. I know that a lot of folks warn against using a CC but I personally haven't had a problem. I don't mind the extra $40-$50 for the added piece of mind and it will be my preference for future purchases.