Do you? Answer1:Yes you have to pay. Answer2:Yes, or lose credibility. That means cant do it again. Answer3:You risk getting your account canceled for refusal to pay after submitting a winning bid. At the very least you will get negative feedback and every one who you try to buy from will know that you didnt pay.You can contact the seller and try to get out of it, but they are not obligated to accept your request. They have to try to get a refund from eBay for their seller fees, try to resell the item, and it can be a hassle. Answer4:Yes you do. But if you change your mind, you can talk to the seller and give your reason. If they are willing to accept and let you go without consequences or a strike, then you are free. Mejawww.theartofstitch.com