Throughout all of my numismatic life, I have always preferred to examine every coin in hand, before deciding to buy.
To go with that, I always pay in cash.
Thanks to perterh for providing the link for the Koin Club reviews.
Recently, my personal medical records were hacked by a Russian based organization, along with my name, phone number and street address, and released onto the 'dark web', because the insurance company refused to pay the ransom.
Therefore I will be forced to strengthen my resolve to buy coins as per policy mentioned above.