PayPal Credit Reviews

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.