I don't mean to be confusing, I did use paypal, which I linked to my citi card.

Update:
I called Paypal. The representative on the phone said that because the seller had over 50 feedbacks, and over 99% were good, Paypal will get the money back to me. Unfortunately, I will most likely have to pay to ship the wheels back, which will cost about $270, apparently.

So, it could be a $270 lesson...

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2003 X5 Sport