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I don't necessarily agree that bargains are few and far between. I bought several isdn modems from Europe on eBay all were around 10% to 20% of the cost new in Oz. I recently bought a small rc helicopter for $55 that sold in identical packaging at a local retailer for $129. You just have to know what it is you're buying and research your price. EBay is also a great place to sell camera gear and particularly lenses, as the others have indicated the punters often pay over and above any realistic market value.
Your idea of having an account is sound but if there isn't enough money in the account and a transaction bounces, your credit card will be debited anyway and you'll probably incur a dishonor fee from the bank.
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