Just a quick note about charge backs and PayPal..

There is a big difference between the payment methods.

PayPal is really just a glorified western union service. PayPal simply takes your money out of your checking account holds it in a separate account on their system and then makes a transfer the funds for you to whomever you specify much like a bill pay service or wire. They send cash and do not have an ongoing credit relationship with anyone. PayPal is transaction based designed for a one time money transaction. This is why when they investigate they have a much harder time getting your money back than Visa. They have to first convince Target that there was an issue and then wait for Target to transfer funds back to PayPal so PayPal can give the money to you.

When you pay with any card that has a Visa/MC logo on it you have the protection and backing of Visa. The reason you get your money back immediately is because of Visa's agreement with the retailer. Basically Visa tells Target that this charge is invalid for what ever the reason and charges Target back for the lamps you purchased and the amount shows up on their settlement statement at the end of the month. Target either has the option of giving the the money back or contest it with Visa . If they decide to challenge it they have to prove to Visa that it was a valid purchase and if they do Visa will then just eat the charge to keep Target and more importantly to keep you happy.