Yes, I understand about that. I am just needing to buy bitcoin with fiat, and I prefer to buy peer-2-peer than through an exchange. Unfortunately I only have PayPal or CC right now, but I'm more than willing to shift money around to use another service or payment processor, if I knew which one.
PayPal is the way to go. It might be hard to find members to trade with around the forums though, especially that you're the one (as a jr member with no trust history) using the reversible payment method. If you don't mind using third party platforms then I suggest going with LBC, LocalCryptos or Paxful.
To be honest, I would not recommend Paxful. There are many accounts for sale on the market and because of that there are many scams there. As in the topic of this thread, I also advise against PayPal - I was once scammed myself.
I think Localbitcoin.com may be the best solution, or just register on some trusted exchange like Coinbase. Of course, I do not recommend keeping funds there, but in my opinion, it is at the moment the safest place to buy/sell BTC online.