PayPal Credit Reviews

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.

The interest rates are ridiculous. I have been pay $112.00 for the last 3 years and I still owe the same amount or more. It makes no sense. They are the worst. Out of that $112.00 only 30 dollars goes to the purchase. It's crazy how these companies are allowed to rob people. I have no problem paying for what I purchase but to see no change after years of making payments is terrible.

Customer service can not help with any issue. I had a website rip me off. I filed a dispute and it will not allow me to provide evidence. When calling to follow up, transferred to a number out of service.