PayPal Credit Reviews

Paypal credit is the worst possible credit you can use. If you use the 6 month 0% interest, you better pay it in full every month or you will be billed a lit of interest. Also, customer service reps don't know what they're doing. They are more confused than I am.

Horrible credit company, horrible customer service. My credit line was slashed by thousands with no reasoning, I receive interest fees on a zero balance, and it has destroyed my credit. I have been a faithful customer and have always paid my balance, only to have my credit score destroyed for a $6.99 interest fee charge I didn't know was there as I hadn't used the account in months.

I have been a loyal customer and maintained a perfect payment history. My initial credit limit was 1400 which I utilized responsibly. I was happy with the card till two weeks before Christmas the limit was decreased ruining my Christmas. Without any warning, notification, or understandable explanation suddenly my credit limit 1400 limit was slashed to 800. I discovered limit decrease checking credit karma. This decrease immediately and drastically increased my credit utilization ratio which is extremely detrimental to my credit score. It’s ironic the company penalizes responsible behavior by making it look like you’re using more of your available credit.

PayPal Credit customer service was unable to assist with downloads to Quicken. They download PayPal but not PayPal Credit to Quicken. In fact, no at PayPal or PayPal Credit acknowledge Quicken. None of the representatives in customer support were knowledgeable or willing to help.

This new Customer Service AI thing is terrible. I used to be able to allocate my monthly payments to the special financing through an agent using the chat option. Now, I am unable to do this, and jumping on the phone during a weekday is not feasible for someone with a workday like mine. I'm going to zero out my balance and cancel PayPal. This is horrible; we are moving backwards with service.

I was hacked on August 24, 2025. They also got my bank account information and I had to get a new bank account. They originally took off the fraudulent charges and issued new account information and within 24 hours the hackers were in that account also so I did it again and then they got that account within 24 hours also. They did refund my money on September 4 and now November 21 with my accounts closed because of the fraudulent activity and the failure for them to protect me and my personal information I closed both PayPal credit And credit card account accounts and here we are November 21, 2025 and they’re trying to charge me for the fraudulent activity that was already taken care of back in August. They don’t know what they’re doing. Worst experience ever with a credit card would give 0-10 stars if I could.

I received the PayPal MC in the mail and shame on me for not reading the fine print. I just figured it was an extension of PayPal credit. I’ve had PayPal for over 20 years. They randomly shut the card off and I had to take a video of myself to get it reactivated. I’ve had multiple issues and can’t get to the right department when I’ve called. If I ever had an issues in the past PayPal would always reimburse me. I used it as a secondary protection when I made online purchases. That is no longer the case. If you don’t use their card for PayPal checkout they won’t cover any other payments due to fraud for example. Once you activate the card you’ve lost your PayPal credit line. I despise Synchrony as I’ve had issues with them in the past for an Old Navy card. I’d cancel this in a second if I didn’t have such a long standing and high available limit. I’ve had issues when checking out, my default cc is a different card but it keeps using the PayPal MC. Not happy!

I found out the hard way that the new PayPal credit card will only allow 6 months interest free financing on online transactions only! I am going to cancel the card, I have no use for it! Their customer service is horrible, AI is so frustrating and after 10 minutes I finally got a human and he was no help at all. He was definitely based in a remote site somewhere overseas

Some of the very positive reviews must be coming from those who haven't read the fine print. It gets a grade of F- (one star) for those who have been accustomed to using PayPal for years. There are many downsides to this card. First, everybody gets the "benefit" of a 30% finance charge whether you have an 800 or 400 credit rating. So, it might work for those with a low credit rating.

I received a PayPal credit card that I did not request. I never activated the card. I have had a PayPal account linked to my bank for 20 plus years. Somehow PayPal credit withdrew money from my daughter’s account. She is a student and has never had a PayPal account. Hours on the phone e correcting this with no explanation on how an inactive card had my daughter's checking account info. My bank became involved - trying to figure this out. I requested a complete cancellation of PayPal credit card. Now they have added back a balance to the PayPal credit card plus fees. The amount makes no sense. PayPal credit card charged me fees that are unexplained- on a card I never requested or activated - that was tied to a minor's account. I want to be refunded the fees and a breakdown of why I now have a balance on this card.

I have always liked Paypal credit. I used it extensively on eBay & it’s always a safe alternative. Don’t like the new PayPal credit card only because they lied & said no interest for 6 months with $149 purchase & when I made a purchased they said that deal is only for traveling. Will not use the credit card again.

DO NOT APPLY FOR THIS OFFER CARD! You have no protection using your PayPal cashback Mastercard when it comes to malicious merchants out there. I recently paid over $1500 with my PayPal cashback Mastercard to a chiropractor for a stem wave therapy which damaged my lower back and caused severe pain and when I opened the dispute with the Customer Service Dept and submitted all my documents with a valid dispute, they sided with the merchant after two months of doing nothing. No explanation whatsoever was furnished for their bad decision. As a result. I will no longer use this terrible card and share my awful experience with the world out there so that others would not fall into the cashback crap that they’re offering.

I made a purchase May 28th. I had to open a dispute. The merchant not responding to my wanting to return the item. I had to open a dispute. Finally was able to make the return. Five months later no refund. Duplicate charges from PayPal Credit. Knowing they made errors still sending me statements to make payments.

Most worthless customer service people on the planet. Suffice it to say I was on the phone for over 5 hours switched from person to person and not helped once. PayPal blamed Synchrony Bank for the issue I was having, Synchrony blamed PayPal and absolutely nothing was achieved except the blood pouring from my eyes as my blood pressure hit world record highs. As long as things work properly, PayPal is fine, but if you have the slightest problem, you WILL NOT receive any help. I ended up canceling the credit card and yet they still ended up charging my card after it was closed.

PayPal Credit, aka Synchrony Bank, is the worst financial institution I have ever dealt with. You always get a customer service representative who speaks poor English and is totally clueless. The call always ends with the representative hanging up on you or putting you back on hold if you're lucky. My recommendation for all PayPal customers is to link a credit card with a reputable bank that can accurately handle your customer service needs.

PayPal is a joke. I have jumped through a lot of ridiculous hoops in the years I’ve had an account with them. It has always been a circus trying to get things resolved with them but beginning in 2025 they have officially gone into business with scammers. Of the 7 things I tried to purchase off instagram only 1 item even showed up, and it was not even remotely resembling the item I ordered.

I took out a loan with PayPal. I figured that I could handle the monthly payments. I already had paid a student loan for years and monthly payments only changed annually. I also have a POPA loan and monthly payments don't change. PayPal is different. It started out as less than a hundred dollars a month, now it's almost two hundred a month in less than a year. I just want you to know how quickly the rate will increase ahead of time to help you to decide if this is right for you. If I had it to do over again, I'd just buy everything individually and Pay In Four, or I would have used POPA.

Worthless company. I have a savings account with them and a credit card and I will be closing them all. First of all you make a deposit into savings or make a payment on your card and it takes weeks to get finalized but only minutes to pull your money from your accounts. Give me millions of dollars to play with for a few weeks and I'll make a really good living off you. Don't fall for it. Run like Forrest Gump.

I have been a credit customer for years. I have never missed a payment. One day, I go into my bank account and see that they paid PayPal credit over $1000. I had made a payment but it was for $50. I’m not quite sure what happened, so I called PayPal credit. I told them that I did not make that payment and I needed them to refund my money. They said it would take 5 to 10 days for me to get my money back. I needed the money for my rent. They said to call my bank and put a stop payment on the check. I did that. What I didn’t know was that my bank stopped all payment payments to PayPal credit. I thought it was just the one.

I’ve been a loyal PayPal customer for over 10 years and even opened a PayPal World Credit Card, always maintaining a perfect payment history. Unfortunately, a recent experience has completely changed my opinion of both PayPal and Synchrony Bank. I made a purchase on TikTok that turned out to be a scam. I notified PayPal immediately and provided information about this scam. Still, they deemed the transaction legitimate and refused to reverse the charge. They referred me to Synchrony Bank, and Synchrony directed me right back to PayPal—neither taking any accountability. It felt like a frustrating game of ping-pong, with no real resolution. I decided to close my credit card account after redeeming my cashback rewards of $80.92 to help offset the fraudulent charge of $85.20. But then I was told the account had already been closed and I was no longer entitled to the cashback that I earned.

I was in the middle of a business purchase checkout when I was offered PayPal Credit to help with business purchases, so I applied. I was given a credit amount of $500; the item I was purchasing was $249. They processed the payment and then canceled my order! I asked PayPal and Synchrony Bank why they canceled my order. PayPal claimed the merchant canceled it (not the case), and the bank stated that PayPal canceled the order. That was the 1st and only purchase this credit has covered.

Scam card, definitely do not apply. The fine print says they don't need to credit payments made for up to 3 weeks. Yes, they hold your payment and don't apply it to your available credit. It's really a glorified debit card. Again total scam!

Twice in the past few months, I have had problems with PayPal Credit holding onto my check payments until 1 day after the due date. The first time they held the check and claimed that they need 10 days to process the payment? 18 days had passed since I mailed the payment and they processed the check. Nothing should take that long to mail and process. Always a day or after the due date, the check gets processed to add a $30.00 late fee onto the bill. The second time was just this month Feb of 2025 and they claimed that the payment was 1 day late? Pathetic, as they keep the payment to add a late fee onto the bill, sucking up the payment.

I've made a few purchases online using PayPal Credit in November and December of 2024. I returned 4 of those purchases, 2 of those returned items went fine, but I'm still being charged for the other 2. The seller (rothys.com) made the refund for those 2 purchases, so those 2 purchases should have disappeared from my PayPal Credit, like the others did. But they didn't. I called PayPal, they said they would fix these issues, that they could see the refunds had been made and they would apply those refunds to my PayPal Credit and the charges would disappear. So far nothing has been fixed, the charges are still there. Don’t know what else to do.

Dear PayPal, we would like to thank you for your service and credit card account as well. We have used PayPal for well over 10 years. It is the safest way to make purchases online for those websites that it's linked to. Plus there is an easier way to pay also. Paypal will split the charges up in 4 payments. PayPal is the best thing since sliced bread. If you have never used PayPal, go ahead and sign up today. It's the wave of the future for real! Outstanding service and credit card!!

I don't even want to give 1 star honestly. I was approved for a Paypal Credit, and just wanted to use it to buy some training items for my newly adopted dog. So when I did go to use my approved credit, I couldn't. I tried Walmart, Halo, Chewy, Amazon, Ebay, etc....Nothing worked. I had selected the Credit as my Preferred Paypal Option, I spent over 2 hours of my life on the phone with Paypal. I could not get anyone to figure it out, all were hard to understand, at one point I had to talk to a supervisor that also could not help me and had me call a different area all to be disconnected after being on the phone for over an hour for that round. I feel the need to be compensated this point for my frustration. What a joke Paypal has become and I have used them since 2005. NIGHTMARE.

This is the worst credit card in the world. APR is terrible with good credit. They decrease your credit limit even if you’re making payments on time. I have four credit cards and by far this is the worst ine. DO NOT APPLY FOR THIS CARD. IT WILL HURT YOUR CERDIT SCORE! They wait for you to pay off your card and then DECREASE YOUR LIMIT BECAUSE THEY DON'T LIKE YOUR SPENDING PATTERNS. Very weird!!!! Can’t never talk to customer service and this card. Sucks. It’s terrible.

Am extremely disappointed with PayPal Credit. Their interest rates are outrageously high, making it nearly impossible to pay off balances without being buried under fees. On top of that, they offer absolutely no support or flexibility to help customers who may be struggling. Their customer service is unhelpful and dismissive, making it feel like they care more about squeezing money out of you than offering any real solutions. I deeply regret ever using their service. If you’re considering PayPal Credit, think twice. It’s by far the worst company to deal with when it comes to credit options. You’re better off looking elsewhere!

$3500 credit limit and can’t use it anywhere! Tired at several places like Best Buy, Home Depot and Nike all online on a home computer, ends at checkout with unable to process!! So annoying. Dicks Sporting Goods worked! But that’s it.

I make one purchase to earn points and will make payment next day right away they change my statement day so they can charge me interest. Once I called them and asked they were like, "That is the interest you need to pay" and explaining to me how interest works. Also if you have bigger balance they will not let you to paid off because interest will be high all the time so you can not pay it off. Do not open account with them for credit. Maybe other services but credit line NO.