PayPal Credit Reviews

I have had a PayPal Credit account for about 15 years and found out it was closed when PayPal switch bank services. Have never missed a payment and have always paid more than the actual minimum. After speaking with their customer service reps... They didn't care to help fix it. In fact, they said it was closed when they made a switch and it was done by the customer which is me and I am the only one with access to that account.

Get approved for PayPal credit. It's going to hit you for 20 points right off the jump, but wait make 1 purchase over 300$ and be prepared for a hit on your credit for over 80 points. Total scam. WILL NEVER RECOMMEND THIS SERVICE OR PAYPAL AGAIN!

I keep trying to find the interest charged for the month and, so far, haven't found it anywhere. Normally, it's found in two places on a statement, but not since Synchrony Bank took over. They've "streamlined" their reports and when they asked for opinions, they got one full blast; however nothing's changed. Also, even though I always log out successfully, the next time I want to log in I have to do it twice: After logging out, the symbols in the upper right-hand corner correctly show the "log in"/"sign up." When I return and enter my login info, I'm instructed to return to PayPal and the Option in the upper right-hand corner says "log out." Sooo, has my account been accessible to others ever since I logged out "successfully"????

I have Paypal and somehow Paypal Credit has been used sometimes as paying option. Even I always request to pay using my credit card that is on the file with paypal. Somehow paypal credit sneaks in and process the transaction. And then they charged me some strange fees. Dealing with Paypal credit is just constant headache. So please stay away from Paypal Credit if possible.

I signed up with PayPal Credit only because they were advertising a $20.00 discount on items I was purchasing. I never did get the $20. They told me it was a "glitch" in their software and the discount would happen on my next purchase using PayPal Credit. Didn't happen. But that is not the worst. I closed the account last month because I was getting a past due notice. I called to verify yes, payment had been made and I had a 0 balance and yes, I could close the account. Guess what? This month I get another email saying I now owe twice the amount! Do not be conned into signing up with PayPal Credit!!! They are terrible.

I have never had any problems with PayPal until Synchrony Bank took over and now that's all I have. I just spent over an hour on the phone trying to link my bank account to my PayPal account and still haven't gotten it done. And this thing about sending two small deposits to your account and retrieving them in order to verify is crazy. And why is Synchrony bank taking over all charge accounts? They also control WalMart's credit accounts and several others. Not a big fan of Synchrony Bank. After today's experience I would give them a negative rating.

For many years I used Bill Me Later in sync with my PayPal account. As the changes have impacted customers like me, the takeover by Synchrony Bank has meant higher rates, continued and constant invasions of my privacy for advertising, lack of customer service support, arrogant and disinterested employees who continually recite scripts after ruining a person's life with their standardized "takeover" policies that do not include any consideration for the many years of establishing an excellent and perfect credit history with this lender. I've been insulted beyond words by having my account closed inexplicably. I suggest staying away regardless of their hard-sell, in-your-face promotion campaigns. They don't deliver.

Anything over $99.00 is considered promotional and you have 6 mos to pay interest free, so you do this. Then you charge something non-promotional for $50.00. Then you make a payment of $50.00 that same month. Do you think that payment pays off your non-promotional charge? No it doesn't, they split the payment up between the 2 charges leaving you with a partially unpaid balance of your $50.00 charge to carry over into the next month where you are charged interest on it. I clarified this with a C.S. rep that told me you have to call them and request the payment goes exclusively towards the non-promotional charge. Beware.

In December 2018 I decided to get PayPal credit so I could buy my grandson's a Christmas present. I've used it a few times since then. I recently noticed that they are charging me extra "interest on top of interest" saying that I got cash advances on two occasions. I don't have a card but rather have virtual credit to shop online. I have never gotten a cash advance. Because they do not send out a statement, it is very easy to forget to make a payment. Of course I forgot one month so now my interest rate is astronomical! Y'all be careful!!!

I mailed a payment for 150 the full balance of my PayPal credit that I regret getting but I was in a pinch and figured I’ll just pay it off in 2 weeks when I get paid. Ha! So on June 13 I mailed the payment to address given by PayPal and nothing showing on my account that I paid anything. I contacted them thru chat to confirm I had the correct mailing address and the chat person confirmed I mailed it to the correct payment address.

Today I called PayPal to figure out why I was charged interest despite of having paid 50% of my balance between April and May and the rest on June 14th. They said that I missed one payment that was due on June 10th. The rep also said that I was notified about the amount I had to pay by June 10th to avoid interest charge. I checked my mailbox and there was no notification from PayPal about that. The rep to whom I spoke was quite agitated and interrupted me several times. The rep came to a point of saying that PayPal would not do anything to help me out because I was just one more person in a million who was crying about a very common problem. The rep also told me that PayPal would not do anything to help me because all keeping their policy is above customer service. And of course I asked why customers were less important than the policy and the rep simply dismissed me with a vague answer.

First I am on disability and if anyone knows it takes over a year to be approved this mortgage not paid so finally approved and have my ss and an $1800.00 modified payments. To get to the post iTunes allowed my son to charge my bank and $1160.58 in one month without even verifying if ok. I called iTunes and spoke with a pleasant customer support named Larry. I was in tears when I called explaining I have ss for major depression disorder and that he never had permission to spend $1160.58 in a month. He politely stated he would email me instructed on how to put security on acct but would not refund me anything.

I purchased a washer and dryer from Home Depot April 18, 2019. The system had made a mistake about the address delivery so I called Home Depot and they resolve the issue right away and cancelled my order and refund the money at the same day. It shows in my account the merchandise fully refunded the amount and yet the PayPal Credit still want me to pay the $889.60. It is really frustrating. I called PayPal customer service and the answer was "Ohh you still have time to pay for 6 months", haha, big joke. I also reached out the chat helpline stating "I can't help you, this issue you have to call the PayPal Credit and why you want a money back. The money was already refunded to you". Ya, no kidding. That was my problem.

PayPal Credit allows you to defer interest for 6 months for purchases of 100 or more. They also have promotional offers which allow you to have transactions that have interest free, fixed monthly payments. These are great offerings, however; If you actively use both... They deceptively apply any excess payments (over the minimum monthly due) to the monthly fixed payment first.

I made a purchase for $103 for 4 shirts from Xi Orderplus Network Technology Co., Ltd. I wasn’t getting the shirts so I put in a complaint with the resolution center. Eventually I did get two of the shirts and PayPal wrote that my resolution was closed because they had information that I had received my package. When I try to follow up that I only got half my package there was no response from PayPal or the company listed above. I am now short half the order which equals $51.51. I will never use PayPal again!

I want to warn anyone and everyone! PayPal Credit is horrible about allowing transactions if you are new to PayPal! I started a PayPal just to get the credit! I regret ever opening the account. I was given a $3500.00 of which only $83.00 was an acceptable purchase!! I am trying to buy tires from Walmart a merchant of PayPal!!! I am making my 5th call to them after I write this!!!

I've had a PayPal account for over a decade with the same bank. PayPal has let me down big time in the past, refusing to process payments I sent businesses because they, PayPal, felt the payments were fraudulent. Even after contacting PayPal by phone to resolve the issues, they never were resolved and I had to find other ways to make my payments.

Do not use this service. They lie about everything then they call you 20 times a day (even on weekends). I had to block their number due to the excessive calls from them. I still have them on call logs and plan to sue due to harassment.

So a few months back, PayPal changed banks. They did away with the no payments for 6 months which was annoying but their decision. I liked using the no interest for 6 months so it wasn't a big deal. I always pay my purchases off before the 6 months. However, in the last 60 days, I have had issue after issue. If you make a payment on a no interest plan BEFORE 30 days that it comes due, they don't credit it to the one that expires the soonest. If you want it credited that way, you have to call them, wait on hold for forever, and have them do it. Ok. Lesson learned. So I started scheduling an additional lump sum payment in addition to my auto pay.

How about a class action lawsuit? I'm sure you've ripped off many others as you have me! Made a purchase using PayPal, my preferred payment method on PayPal is PayPal Credit. So why is it that PayPal took it from my checking account? If PayPal can't honor their agreement with the customer, they shouldn't be offered as a payment option. Sounds shady and illegal to me. Let's see if a judge agrees!?

I have been a member in good standing of PayPal since 2015. I do not have any chargebacks nor any complaints. Out of the blue on April 18th 2019 PayPal decided to put a permanent limitation on my account. Essentially freezing all my funds and not allowing me to use their service anymore. What I would like to know is what do they think I did? I reviewed their “Acceptable Use Policy” and can find nowhere that I have violated it. They are holding over $**** of my funds that I am not able to access for six months. I need this money so that I can continue running my business. I do not think it is fair to banned me from PayPal especially when I have not committed any crimes.

Two days ago, after seeing on a PayPal screen that they did no-fee transfers to relatives, I attempted to reimburse $$ my son had fronted for airfare. The process went poorly, confusingly, and it seemed to "stick" in the middle. I decided it was a "no-go". However the next day my son was able to claim the transfer, but contrary to PayPal's promise, he was charged an unreasonable $55 fee.

Over the years I’ve made several purchases on eBay and used PayPal as the processor, as required. There have been several instances in which I have received refunds from sellers and PayPal keeps the money. I have to call them to get the money credited back to my account. Highly unethical company. I hate doing business with them.

I closed my PayPal account and at the time I didn't owe them money and now they are claiming that I owe them money. First it was $29 last month. And now they increased it to $79 for the minimum payment and are also saying that I owe them $844 to avoid deferred and standard interest on my CLOSED account. They can send it to collection since I can't pay them since my account is closed. Hopefully they are not going to be harassing me anymore since I blocked them.

I been a customer with PayPal for several years and always paid my balance on time. I was penalized 2x now for paying my payment early. They actually called this a late fee ($38.00) because the early payment was applied to the previous month so therefore you are late the following month. I'm so feed up with them and of course they are not very helpful when you talk to them. I will pay the balance in full and cancel this account.

I have had a PayPal account for 15 years. I purchased a computer 6 years ago through Bill Me Later and had a good experience. I somehow bought $27.00 worth of crackers through PayPal Credit (that what I was told). Didn't notice because I didn't buy anything for a few months until I logged in to make a payment on a purchase and found out that there was an outstanding balance. I called PayPal and explained that I didn't think I'd bought $27 through credit but wanted to pay it off. I explained that I hadn't purchased through the credit tab and if I did it was by accident. She agreed and waived the fees and said I wouldn't be affected.

I wouldn't wish PayPal Credit interest charges on my worst enemy. I had to cash out my life savings to pay these con artists off. I will NEVER be in debt again. Stick to using your bank. Otherwise this PayPal Credit will ruin your life literally.

Made a payment on app but payment never actualized for some reason, had no way to know since on app followed all instructions. Had sufficient funds, for some reason did not go through, resulted in charges. Was charged interest going back 6 months!!!

I purchased a Limited Edition PS4 (PlayStation Pro 500 Million edition gaming system) from a private seller on Jan 14, 2019 on eBay. This person sent me a tracking number stating that package was en route. This tracking number was for a flat rate envelope weighing 12 oz for an address in my city and NOT my address. On Jan 18th, I went to my post local office in Euless to have them to trace the tracking number and print me a report (Product Tracking & Reporting) so that I can show that I was scammed. I originally submitted the pdf of the document from the post office to PayPal Credit and spoke with a customer service rep adding addition info about the claim and after 45 days they denied my original claim saying that the seller “said the package was delivered”.

Paying off a “closed” PayPal Credit account “on time” with around 60% of every payment going towards interest (If payment is late, the late fee of $37 plus the interest makes my balance HIGHER than before making a payment!!!) and the customer service representative stated “the interest is higher in the earlier payments and decreases when it’s closer to paid off”... So after having over 70% percent of my initial balance paid off, how is it legal to say “60% of each payment going towards interest is the interest charged to early payments”. This account is at 19.99% annual rate. I’ve been making payments for years, having over 60% of ALL my payments going ONLY towards interest (not the account balance) on a CLOSED account is fraud. Very upset... Not giving them a penny more... send my account to collections. DO NOT DO BUSINESS WITH PAYPAL CREDIT.

*Non-published edit* I used hypothetical balances but I've decided I should use all real legit numbers and info. The marriage started off fantastic. $99 gets you 6 month, no interest financing??? Who does that? On top. No monthly payments required? Say what? Then the honeymoon period was over. And she slowly started to change on me. Now she wants money every month. Became very high maintenance and made me monitor her actions due to poor money management. What a complete bipolar attitude change ìn just a few months

My account was hacked allowing the hacker to also hack my bank account and change all contact information with PayPal. After it was all straightened out and I paid a couple thousand dollars they closed my PayPal Credit account. I of course received no communication from them since the info was all hacked. They will not reinstate the account.

Discover doesn't charge late fees. I was 2 days from the due date and assessed $35.00. This Bill Me Later (PayPal) Credit is in violation of charging consumers late fees. There has been tons of lawsuits on this subject. Citibank recently had to refund customers due to excessive late fee charges!

PayPal Credit advertise that they would cover you up to 6 months interest fee. But as I later found out this will not cover money's sent or money received without an invoice. This was not made clear and you will be charged interest regardless. Also no way to do a credit transfer only bank transfer so it's the worst thing that can happen. Do not fall for the PayPal Credit advertisements, they are not clear on what kind of transactions are covered. Avoid it!

I took advantage of the six months with no interest or interest option. My payment was due on December 13 and I mailed the full payment on November 29th. Because of the Christmas rush PayPal processing was behind and they didn’t process my check until December 20th. On the 16th I was notified that my account was charged the accrued interest. I called their customer service and was told not to worry, that when the payment is processed the postmark would be examined and the interest charge would be reversed. On January 12th I received an email showing that the check was processed but the interest charge was not reversed. I called again and was told they had no idea when my payment was postmarked and would not reverse the charge. I have a perfect payment record with them and an 832 credit score, yet they treated me like dirt and stole a few dollars from me. I will never do business with PayPal again.

A bank statement should list the activity and resulting balance so one can balance their check book. Paypal only lists activity. This requires careful and arduous scrutiny to review if there are errors. I have not seen a review or complaint - am I missing something?

Absolutely ridiculous... My credit limit went from $3500 to 0. First reply back to my questions was an automated reply. Second response was that my account was closed due to a tip (18 Dec) that my profile wasn't accurate. Switched to TMobile in late Nov... So they're telling me because I didn't update my phone number they closed my account? Worst company I've dealt with.

Synchronicity made PayPal cut me off. I've used PayPal Credit for YEARS. Originally got it when I monetized my worldwide website. I always have paid on time and been in good standing, I rely on the account at the holidays. In August for no reason or explanation my available credit balance went to zero. It took me 2 months to get an answer - the new company Synchronicity was freezing accounts - no reasons no explanations. I'm done with this. What horrible treatment of good paying customers.

A call to PayPal today to ask why a eBay payment went DIRECTLY into PayPal Credit and not thru the usual channels. OMG! I also ended up (after 2 hours and 9 different "transfers) "speaking" with that same #METOO phony Liberal female who did nothing but "read the rules." Speaking with? No, just LISTEN to her go on and on and on and... Her only job is to talk in circles, constantly repeating Payment Settings, lying about eBay's involvement with PayPal Credit, lying about PayPal's email to me 1 hour before, "You have the wrong settings" and so on. "I told you but you tried to interrupt me, so I'll read the Rules to you again!" Previous to getting stuck with this #METOO female, a MALE manager agreed with me that the eBay transaction had INCORRECTLY ended up in PayPal Credit. "I see your account settings and you are right." Then SHE comes on the phone and basically says I'm stupid and rude.

I made a purchase using PayPal Credit with 6 months to pay the balance in full. I later made an additional purchase. I made payments that would have covered both the original payments and payments to cover the second purchase. Instead of PayPal crediting both purchases, they credited the second purchase only. After realizing this, one month prior to the first purchase expiring, I contacted PayPal Credit only to be told that the first purchase did not require payments for 6 months so the payments were not applied. Excuse me? If I'm making additional payments, why would none of them be applied to a six month purchase and only applied to the twenty-four month purchase? Sounds stupid right? Anyway, I paid the first purchase in full the next month. What did PayPal Credit do? Apply most of the payment to the first purchase, and applied enough of my payment towards the second payment in order to make sure that I had to pay the accrued interest.

I've been using PayPal Credit for a few years now and never had a problem. Last month I got an email on October 27th with my statement and immediately made a payment above the amount to avoid accrued interest as I did every month. Little did I know but the 27th was still part of the October billing statement (a fact that isn't specified anywhere) and thus was never applied to my November statement. I then logged into my account to make a payment after getting my next statement and see that I am now past due and was charged a $27 late fee. The customer service representative was fairly rude and matter of fact about this being the case with every credit card. Going to pay off my balance and close this account as soon as possible.

PayPal cares more about the seller than the purchaser. I opened my account 4 years ago with Bill me later. I have never had problems with items purchased until now. I am now on my second item. Never received. Very small of money but the principle is I am suppose to have buyer's protection no matter what. When I tried to file a buyer's protection claim they left me on hold for 30 minutes then hung up on me. The seller can give any tracking number they want and PayPal stands with them. Even if you file a police report in regards to item never being received.

I had the lovely opportunity to call PayPal and talk with theirs disputes department today. After an hour of bouncing around from this person to this person. So I spoke with a young women who had only one thing in mind and that was to repeat the rules to her department! She can’t call, message or email my representative to my dispute. Well after getting nowhere with her I asked her for a supervisor to make me understand what she was trying to say. Repeating “The Rules” repeatedly was going nowhere. So I hung up and called back and spoke with a very nice understanding gal who transferred me to some specialist named SHANE. Well I can tell you after speaking with Shane I CLOSED ALL MY ACCOUNTS WITH PAYPAL!!! Who needs them and eBay!

I have had a PayPal Credit account for about 3 yrs now, no problems. Recently received PayPal Credit invitations to update my financial info to take advantage of promotional offers. I updated the info and inquired about requesting a credit line increase. I was instructed to make a purchase over the amount of my available balance and it would trigger a review of my financial info and payment history (always paid on time or early and always more than minimum) and would result in either a credit line increase or a decline of the purchase (to then be paid for by another method). This seemed bizarre to me but I was assured it would constitute a soft hit to my credit and was the only way to request a credit line increase.

I just wanted to write this in case others are reading who may be thinking of getting a PayPal Credit account. It is awesome!! I love it and use it all the time. In over 6 years, I have never paid one cent in interest or fees. I pay my balance off every month (for any amount under $99 that I will owe for right away). Anytime I make a purchase over $99 I get 6 months to pay if they accept Paypal, yes please!!! If I am making a purchase at Bed Bath and Beyond for example and it is over $99, I will go home and order it online, use PayPal credit and now I get more time to pay. Best part.... They don't report to Credit Bureaus... YES!! So I may owe $5000 to PayPal, have 6 months to pay it off, and my credit looks like I don't owe anything.

I have had PayPal for quite a while and have never really had an issue with them. However, this new update that went out regarding minimum balances due on all of the bills fails to advise that if you make additional payments on balances that are coming due, they arbitrarily apply the payment toward the interest free balances that have a longer time frame. So, while you think you are paying down balances that are coming due, beware when you get slapped with accrued interest charges on balances that were not paid off that you thought you were paying off because they want to get the balances with the longer no interest balances paid off. This way, they maximize their rate of return on the 2 year interest free balances!!! Very sneaky and underhanded, just thought consumers should know that this is PayPal new strategy. This way you are not blindsided with balances you thought were paid off and interest fees!!!

I asked for a change in billing date to coincide with other bills as I am gone from home a great deal work. It took PayPal over a month to change it and they charged me yet another late fee. Despite the fact that I am a great, longtime customer with excellent credit, the management said policies trump customers. I am disappointed in their "fake" customer service. I have never experienced this before as most credit companies want great customers. I will take my business elsewhere.

I made some purchases on PayPal Credit adding up to a few hundred dollars. And started making my payments as the site requested, and then paid more above the minimum. But the money never reached the cost of the items that I purchased. Every month I got a bill that was higher and higher. As they kept tacking on accrued interest, and a 27.00 monthly fee with no explanation as to what that was for. So I have paid more than double the cost of my items, and the bill is now 276.00 dollars and rising.

Totally understood the terms and conditions, but I figured I'd give it a try. The terms are far too open ended, and I don't think I'll be giving a try on a similar product. Seriously, "PayPal Credit may not be offered as a funding source for every purchase. Some PayPal merchants don't accept PayPal Credit" is fine. But "In addition, please note that even if a merchant offers PayPal Credit as a way to pay, PayPal reserves the right to restrict your ability to use your credit line depending on the circumstances of each purchase" is a joke. It's one thing to have, say, a Care Credit account and KNOW that you're only limited to medical related expenses. It's another thing to not know what in the world you're limited to, it's like why even bother trying to make a purchase? It feels like a waste of time and I'm seriously hoping that PayPal will re-consider their 'case-by-case basis' purchase method with this card.

Been hacked! My personal identification information was hacked from PayPal and someone opened a PayPal credit account under my information. Now "they" say I owe $1700. I've submitted a Fraud Claim and within 3 days of them receiving it, they said they couldn't find any fraudulent activity. (BS!) Then the fraud department sent me paperwork to submit - "Affidavit of Fraud". I submitted it and still they say it's mine. Even the representative from the Fraud department I talked to could see that the charges were not mine! The Fraud department from PayPal Credit PROBABLY DID NOT EVEN LOOK AT THIS ACCOUNT.

PayPal recently changed its business practices and their billing has become so confusing, you need a PHD to figure it out. I was misquoted by a rep the amount I needed to pay to avoid interest and then I got my next statement and incurred an interest fee because of their stupidity. I also have subtracted my balance from the promotions and my recent purchases and they simply do not add up to my balance. Every time I get on the phone with one of their reps, they cut me off. They purposely confuse you and I am ready to file a complaint with the Better Business Bureau. I was one of their first customers and not only have they taken away the ability to make in store purchases, they have become crooks, merely because they don't report to credit bureaus. After I pay off my balance, I am ditching them.

PayPal Credit offers promotional purchase options, but does not tell you anywhere on their site how to apply your payments to these purchases to avoid interest. They used to have an FAQ area that mentioned it, but now it's gone, and I had to find a forum discussion about it from 3 years ago - which the answer was you must call or email and specifically request a payment be allocated. You CANNOT do this anywhere on the site, and there is no information about it either.

I recently got a approved an account with PayPal credit. After I got approved I tried using my account. The payment declined so I call PayPal. They claim security blocking my transaction so I had to send 'em some documents such as ID AND BILL OR BANK STATEMENT ETC so I did. The next day I get an email telling me my account reinstated. I could use my account now so once again I goes online to purchase something through PayPal credit. Decline again. Now I’m getting mad. I goes to call PayPal. The same BS with them security blocking again. Now I still have to wait 3 to 5 days before to even run the transaction through PayPal credit. I know one thing. I would never recommend nobody to apply for their credit because it sucks. I wonder if security block me when it’s time to make a payment to their **.

Applied for and was approved for PayPal Credit, thought it would be handy to use on eBay and since they offered 0 interest for any purchase paid off in 6 months, it was a no-brainer. Tried to use it to buy a tonneau cover for my pickup, declined payment. Contacted PayPal, they said it was a security issue, that I had to verify my bank and credit card, WTH. So, I verify all that, try it again, still declined.

I used PayPal on and off for about a year and had no problem. Recently I sent 1,000.00 to a friend via PayPal. The money never made it. I've been on hold for 2 hr, last time I called they hung up on me.

They have the most confusing system (statements, online tracking system) I have ever seen. It is obviously to confuse the consumer so they can make money off your confusion. I keep a spreadsheet to keep track of every single charge that I make, so I can keep track of exactly what I need to pay off by certain dates. Thank God I do this, because the people who work in the customer service dept make many mistakes. NO logic or comprehension whatsoever. Horrible communication skills. They interrupt, they don't listen. It's maddening!

When I first used Paypal Credit about 3-4 years ago, they started off with a fresh advertisement saying "Bill Me Later" at "Free and no hidden fees!" So I applied and then forgot about it and never used it for 3-4 years. Turns out that the first month I opened an account for Paypal Credit I was automatically charged $20 and then kept snowballing from late payment fees to about $178. Like I said, never used the card once for a single purchase, I was so deceived by the "Free and no hidden fees!" advertisement on the Paypal homepage.

I made a bid in October for an item on eBay, I won the bid but never received the product and never had contact with the seller. It does not show in my eBay account as a completed transaction but yet PayPal is saying that they paid the seller. So I assumed this was a done deal, never got the product, never heard from the seller and it never was a completed transaction on my eBay account. I hardly ever check my personal e-mail but I did the other day and I get an invoice that is overdue from PayPal and now I am over the 180 days to make a dispute. Had I received the item or had any inclination that the payment went through I would have looked for the invoice and paid it, I never not pay my credits/debts.

I was purchasing an item for $419 on eBay and as I was checking out I saw an offer by PayPal Credit for 0% for 12 months on items over $300 so I took advantage of it. When I got the first statement I saw they were charging me 9.99% so I filed a dispute. After a week or so they came back and said they checked and at that time the promotion was for reduced interest rate of 9.99% and they couldn't change it. I consider myself a pretty reasonable person, and if I made a mistake I would accept it, but I'm pretty darn sure it said 0% for 12 months or I wouldn't have done it. So I don't know if it was some sort of deceptive presentation that made me believe it was 0% with a switch I didn't notice, but either way I expected better from them. My advice is don't use them and if you do, get a screenshot of the offer before accepting it so you have evidence when they screw you. Shame on you PayPal.

I have used promotional credit for lot of thing over the years but all of them had an auto payment system. PayPal only allows minimum payment or full payment. This is by design so after 6 months you forget and be charged 20% interest. This is the 3rd time I have missed a promo by 1 day. I'm so done with PayPal credit. I called. They wouldn't give any exception. I get that I should have done better job of keeping track. PayPal lose more customers than keep by one time payout of interest. I will never use this service again. PayPal just lost a good customer.

Having this account was part of a packaged deal when applying for something else, otherwise would have never gotten this service. Apparently you can ONLY use a check or direct bank account transfer to do payments, no balance transfer or anything else. There are other ways to get financial assistance that provide better payment options than this service, until they make some upgrades, stay away and look to other BETTER options.

I applied for a PayPal credit card, issued by Synchrony Bank. I was turned down because they could not confirm my phone number. True, I had moved and changed the phone account, but I had notified PayPal of the change. No big deal so far. What is not acceptable is that I received a letter from TransUnion to the effect that Synchrony Bank's query about my application had triggered a fraud alert. I notified Synchrony Bank of this but received no response whatsoever. Imagine that, a credit card application triggers a fraud alert. The only terms I can use to describe this are slipshod operating procedure and unprofessional behavior.

PayPal credit offers 6 months no interest for purchases over $100 or so they lead you to believe. You would have to read their terms and conditions online to know that if you do not pay off the total amount charged within the free 6 month period, they will charge you interest for the entire 6 months that it was supposed to be interest free. They also do not list interest charges on your activity page so unless you are viewing your monthly statement it is very easy not to notice. Very deceptive business practices. Also, their already high interest rate is being greatly increased by the new corporation, beware!

Longtime customer received notice that my Paypal account is changing from Comenity Capital Bank to Synchrony Bank and interest going up to 25.49%!!! No late payments ever. Should have law against this. I will be closing account.

Paypal Credit was awesome, my credit was less than stellar so I was happy with 19.99 though never paid it. Today I read that letter and pretty much determined I won't be using the service after July 2nd. Synchrony has already reduced my limit on one other card serviced by them. I imagine July 2nd I'll find that letter or an email stating they dropped my limit to .30 above my current balance simply to screw with my credit score. Paypal Credit was the one thing that allowed me to give my business to someone other than Amazon. Without PP Credit I have zero incentive to wait for shipping from other providers.

I've been a PayPal Credit user since it was Bill Me Later. I use it many, many times a month because it's so convenient. Always pay my bill on time, always more than the min. and always pay off the no interest balance before they are due. My last statement was returned to them by the post office, this was an issue with my post office not PayPal Credit, but, I contacted PayPal Credit as soon as I got the notice that the statement was returned to make sure everything was ok on their side of things. They confirmed the address was correct, and said everything was fine. It was a less than 2 minute phone call. This morning, I logged on to my PayPal Credit account to check the status of a payment. I noticed it said I had zero credit available, instead of the several thousands of credit I should have available. I figured it was a website issue (as it seems to go down for maintenance at least once a month) but I decided to call anyway.

I had a long and valued relationship with paypal. When I started with Paypal Credit, quickly found myself confused and unable to understand what was going on with my banking. I found purchases as debits on both my bank statement and my Paypal credit statement. This included items NOT marked for payment by Paypal credit. I am left with a Paypal Credit statement with a balance due, unable to understand the transactions. I called Paypal Credit to get an explanation of the statement. I talked to an agent and a supervisor. Those conversations led me to cancel my Paypal Credit. In my mind there is something wrong with their bookkeeping when I can't understand it. I am retired; however, I have done, and continue to do tax preparation. A total of more than 35yrs with clients having incomes to $150,000.00. If I can work with the IRS and their accounting systems, why is Paypal Credit so impossible to understand.

I just received a letter today informing me that due to a change in the credit issuer and "market conditions" (huh?), the Paypal credit interest rate for purchases is now 25.49%. My credit rating is excellent and merely 2 points below the very top. Any banker who charges this kind of interest rate for regular purchases should be tarred and feathered and escorted out of town on a donkey. That politicians would allow this type of highway robbery should tell us how deeply corrupt our government truly is, a government that no longer represents us but represents corporations and Wall Street almost exclusively (as everyone should know by now).

Something seriously wrong with PayPal Credit. I was having a problem with my PayPal account switching to PayPal Credit when making a purchase. This would happen even though I had changed the settings. I made a small $7.99 purchase in February and after the fact noticed that the charge had been applied to PayPal Credit rather than my checking account. I called PayPal and spoke to a rep who advised me to just pay off the $7.99. I did that and it appears on my account as being paid. Suddenly this month I received notice that I had an overdue payment of $14.99. Did not make any sense because there was no record of a purchase for $14.99. Called customer service at PayPal and after some back and forth was told I was charged a late fee and interest on the $7.99. I said I wanted to protest the charge.

I've been a good customer of PayPal Bill Me Later for several years now. Always made my payments on time, never late, no problems at all. My credit is very good. Yesterday (5/02/18) I receive a letter in the mail from PayPal Credit dated 4/12/2018 stating that effective 7/02/18, the lender and owner of my PayPal Credit account (including any existing balances) is changing from Comenity Capital Bank to Synchrony Bank, and that my APR for purchases will be increasing to 25.49% So let me get this straight: longtime record of on-time payments, good customer, good credit rating, and they reward this with a ridiculous APR increase? Nope. Goodbye-taking my business elsewhere.

Same as other consumers. l paid the credit l had requested on time and in full and have just received a letter indicating that in the future the interest rate for PayPal credit will be 25.49%. Will l use this service? Certainly not. Deplorable.

If I could give this company NEGATIVE stars I would. This company has repeatedly lost my payments while charging me late fees as well as interest. When I asked to speak with a supervisor, she was rude and not helpful at all. When I asked for corporate information I was given a fax number. I just paid off my account in full and will NEVER use this company again. I also plan on researching to find out who I can speak to or write a letter to at corporate. Because although their employees don’t care, I’m sure someone higher up the chain does. Especially when they start losing money and customers.

So I haven't been able to buy chips or logic analyzers or just about anything else with PayPal Credit, even though I have a healthy credit limit and never get anywhere near it. Just give up & use another CC every time. Because PayPal Credit is an unmitigated POS. Finally escalated this ongoing issue today to first Customer Service, then Tech support. The problem seems to be their merchant classification system, and how few merchants they actually offer PayPal Credit to as an option to.

Refused for no reason, when I phoned them they just said, "We don't know why." My question is, "What the hell you do there when you don't know the answer." Just don't put the phone number for customer services. This company going down soon as the customer services is so poor. I never had any bad credit and first time I was refused for no reason. FFS Paypal, it's a joke.

Do not EVER use PayPal Credit. You've been warned!!! This is the worst company available online. If you have an issue with them, or one of their creditors, they ONLY care about getting their money back. Even if you supply 100% legitimate information like I supplied, they will find in the favor of the creditor. They do NOT care about you at ALL. It's like being a cow in a slaughterhouse. Eventually they'll force you to be quiet and take everything from you, because they do not care about you. ONLY thing they care about getting their money back. They use agents from outside the USA that are scripted to follow a singular protocol. Worst business to deal with in my online history.

In my daily business I occasionally use PayPal for the convenience of one click. In January I mistakenly pushed on PayPal Credit. I didn't know there was a PayPal Credit and I had no reason to charge my $44 dollar purchase to their service. I was unaware that by pushing this button I opened an account with my PayPal credentials. So I'm clueless that there is this charge because I'm not opening the notices they send to a email account I don't use. I finally figure out that what I thought was unsolicited sales calls was this credit department trying to collect. Charge was made January 9 for $44.99 to date interest and late fees from an account I didn't know I had 73.99. I tried to resolve this matter and the best they could do is to credit back one late fee. I have been scammed.

I purchased a few items with PayPal credit. It appeared as a good way to get several items at one time. I went in my account to pay off the total balance of the purchases on my account in order to avoid paying interest fees. After totaling up the amount owed I found almost 300 dollars in my statement that was not attached to any charges. I called customer service to resolve the incorrect balance. They stated I was paying interest on purchases previously paid in full. How can a company charge interest on closed transactions. Nowhere in the terms or agreement did I sign to be charged recurring interest on paid balances.

Credit means that creditors have granted financial resources to an individual that does not belong to him/her. However, the individual would pay back those financial resources in a timely manner but how can an individual build his/her credit file if that individual is never given an opportunity. I did have a reputable title and the means to be sustainable to pay back a granted credit. However, Some of those who rejected me, were well-known companies who announce themselves as benevolent but their decisions show that they are incompetent or bias and I should hold them accountable for their mistakes.

You find out about the "late fee" and how much it is AFTER it's applied. No warning to new users, but now I know, they will never get me again. If you make single purchases, pay off the balance, it's fine. The account summary calculates a monthly payment. The confusion sets in when you make 2-3 purchases. If you follow the monthly payment request, it leaves you short, and subject to their interest rates they tack on each month on the account balance. Solution: do your own math, break down the cost of EACH item to be paid in 6 months, make the payment a FEW days before the deadline, because they do not take into consideration processing time, weekends, holidays --basically it has to actually post to your account to avoid late fees (25+ dollars) and interest fees, EACH time.

This company/service rips people off! PayPal Credit accepted my money orders to make payments on my account but they charged me late fees for not getting my payment in on time. My payments arrived at PayPal's post office box just in the nick of time. Each payment was sent either certified mail (which required a signature from the post office) or went FedEx. Unfortunately, PayPal wasn't required to pick it up in time to post it before the due day. It should be posted according to the postmark, not an individual worker's opinion.

PayPal allowed a transaction that was not authorized by me to post to my account and denied my case. They have also denied two appeals since. The item was purchased online and shipped to an address other than the one verified on my account. They refuse to do a proper investigation and remove this charge from my account.

Generally, I have had no issues with PayPal credit. I've used them for years to pay off large purchases over 6 months with no interest (and before when it was Bill Me Later). Anyone who uses credit needs to read the terms of the credit line and how payment amounts are determined and applied to balances and if you don't like that policy, then don't use it. Items returned have always been credited properly within 30 days. The only issue I have had was how "the minimum amount due to avoid interest charges" was calculated. In general, you should only have to pay any standard purchases plus any promotional balances due to avoid interest each month.

The complaint started with LovelyWholesale. I ordered some merchandise from them and they did not send it to me. I tried to make them put the funds back on my PayPal account and they refused to do so. I called up PayPal and explained to them what happened. Instead, of them listening to me they took sides against me for LovelyWholesale telling them lies that they sent me those item to me and they did not. Because I kept e-mailing them about the items and I told them not to send those items to the wrong address. They did it anyway and started playing games with me. Such as asking me was the wrong address, was the right address and I had already told them not to send the item to wrong address. They were playing games with me.

I had a horrible experience with PayPal Credit. This is not really a credit line that they falsely claim to offer. They want you to list both your bank account and your credit card information before you make any PayPal credit purchases. This is a complete farce. I have made several phone calls and sent emails and every department kept pointing fingers to another department. It was a nightmare! They offer a credit limit which is not true. Beware!

I ordered a HP Laptop on their PayPal Credit. Bad mistake. They insist I received it. The laptop was refused when FedEx delivered. I have actual proof from FedEx that it was returned. I talked to their dispute person and wanted to mail them proof, and time to time return route all the way to Tennessee. I asked for PayPal's mailing address so I could send them proof. They would not give me an address. They said they "look into it". I will not pay for something I never touched.

My issue was a return to the clothing company Liligal. Liligal is a scam in itself: it does not give an address to send returns to. When I first made the claim with PayPal Credit, they gave me a temporary credit, but that was rescinded when Liligal reported that they had not received the item back. PayPal Credit was able to help me with an address and advised me to return the item and have the package tracked. That's what I did. Since then I've been calling PayPal Credit every week for an update. I've spent many hours on the phone with them, always starting from scratch. Finally today they said that they denied the appeal because "a dispute cannot be reopened once it is closed". PayPal Credit has given me the runaround for several months! Will avoid PayPal Credit in the future and NEVER order from Liligal!

PAYPAL WARNING. I have a credit account that I use the 6 months to pay option pretty frequently. I pay it off and never pay interest so it has worked well so far. On December 18th, I made a purchase using that option. I had over $2000 available so there was no reason for it to be a problem as it was only about $400. On December 19th, Paypal did a security decline with no explanation on the account and took every penny from my bank account. There was no warning at checkout that the items had been declined through Paypal credit so it appeared everything went through as usual. I was none the wiser until today (12/20) when I saw the transactions had hit my account yesterday.

I have now received notice from Paypal Credit that both of the amounts in dispute will be refunded. I appreciate hearing from them. Although, I do feel they need some help with their website and responses to messages sent to them on their site.

I have been using PayPal Credit for several years. I have never had any problems with being credited for returns or any other issues. They are wonderful in stores or online. They are accurate and helpful. The customer service team is awesome. I have no complaints at all.

I elected to use the PayPal credit for a furniture purchase. I went through all the steps correctly and completely. I figured if I could get 6 months to pay interest free then why not? All of a sudden, PayPal made TWO electronic funds transfers out of my account. Two! For over two grand. When I called the representative told me there was nothing they could do. Huh? I called my bank and stopped the payment. Never ever using this again. I'm going go pay it off then let it go.

When it use to be Bill Me Later I used it all the time without any problems. Ever since it has became Paypal Credit it's a total joke. I've not found anywhere that will accept it. The other day they emailed me congratulations we've increased your credit limit by $1,500. Big deal, they could of raised it $150,000 and it's meaningless because it can't be used so it's all a big waste of time. I'm paying off the last of the balance from when it was Bill Me Later. I can't ever get on their site and they don't send a statement.

HORRIBLE! Sold something on eBay as a top rated seller with over 10,000 items sold all of which went through Paypal and on one random transaction they decide to hold over a hundred bucks of MY MONEY! Then I have to try to call them to get them to release my money... Can't get through to anyone. Tried the callback deal. What a joke! Over 2 hours later phone rings, says it's from Paypal and then nobody is there.

PayPal Credit needs to be shut down. I have returned several items and should have been credited back to the account and they never have credited the items back to me. I have fought and fought till I am blue in the face. The representatives are no help whatsoever! You are forced to pay for something that you have returned and cannot get through to anyone to resolve any problems. Then of course if you do not pay, you get late fees, excessive interest and numerous calls. I cannot believe that this company is allowed to stay in business and no one does anything about their shady practices. The next step is to file a lawsuit against them. They even harass you when you just sustained a devastating Category 4 Hurricane. They have no sympathy of the fact that you have not worked for weeks, been without power, and your home has been destroyed. Filing for bankruptcy is a better option than dealing with these crooks/morons.

I recently had an experience where a customer lied and said was in Canada and was actually in Niagra Falls, NY where the item was shipped to. She waited to the final day of returns and claimed the item was defective. Her name was Susan ** from NY. I responded by approving it although I knew there was nothing wrong with the item. I could resell later. She made a claim afterwards with Paypal, claiming she was in Canada and wanted a refund and didn't want to pay for the shipping, a scam obviously, and wanted me to pay for return postage from Canada, and I refused. I have reported this several times, and nothing has been done.

Suspected fraud within the company - Even the company is baffled. To close the account... the ONE personal account allowed per person, I was told to pay total amount owed. I paid total amount owed. Then, started getting bills from PayPal. Called PayPal about it and in checking, they said I had TWO accounts and needed to pay the second one too. (I've never had a business or business account.) So I will be a PayPal customer for life I guess because they will NEVER close my account, even though I've BEGGED them to. Kind of like the Hotel California. You can check in but never leave. Whoever has made an account in my name will be the one who pays it though. And no, no one is here to forge my account. PayPal is too big to fight, I know that. I'm an elderly woman and just want PayPal to leave me alone.

I always used PayPal with no issues and I don't have to worrying about paying the bill because it is linked to my bank account. With my last purchase, I used PayPal but somehow charged PayPal credit. Then suddenly received a late payment notice for past 3 months. I called Paypal Credit, and the customer service basically trying to push all faults on me and keep on asking me how I am going to pay for it. I had enough with this, and paid it off because it wasn't that high. I also told him to close all my accounts because I will not going to be using them ever again, and I will be informing my friends about this ridiculous crap. I use multiple credit cards and I never had this issue in my life.

I've used PayPal for years, and I've never been so dis-pleased. You offered me a line of credit I can't use anywhere, and all you guys do is blame me for not being able to use it. According to what everyone else says, your credit plan sucks. Same problems! I will NOT be recommending you guys to anyone else again. This is ridiculous, and I know what you're doing. You're getting people hyped about your website, yet you fail to deliver. BAD promotional salesmanship! I no longer like you PayPal!

I started off w/ a $250 Credit line... I was so excited I didn't even know what I was doing & ordered a $700 e-Bike from Florida... A whole weekend of crazy happenings trying to get the order cancelled before it shipped... Finally on Monday Morning I talked to the vendor. It was cancelled. Thank God my bank @ that time didn't have but $1 charges for each bank swipe/attempt...!!

Horrible service! This company assessed 2 $35 charges on my account for 2 separate months when I had a credit applied to the account and it showed that I had no minimum payment due! The customer service team and management refused to issue me a credit for the fees assessed. They are extremely unwilling to bend to keep a long standing customer. I closed the account over the phone with the manager. I will be definitely telling my friends to not use them!

A transaction on my credit account triggered security and therefore did not go through. When I called in to see what the problem was, I answered a number of security questions to prove that I indeed was the account holder. I was told the transaction would now go through. It did not. I called back again and was told that due to the trigger, I would not be able to complete the transaction, and I could not be told when my credit would be available again. This put me in a terrible position since I was already in possession of the item, based on being told I could now complete the transaction, and now had no way of delivering the funds. When I spoke to a supervisor I was told there is no way to override the security trigger. This is unacceptable. To not have a solution to this problem is lazy and shows little effort to consider the customer's situation.

This is a huge scam and something needs to be done. I tried to purchase items and had to call their customer service account 4 times. One Rep hung up and couldnt explain if I was approved for $2500. Why couldnt I use this "card" all Reps said we have to build a relationship. After finally speaking with someone in the USA I canceled the account! This is a complete SCAM!!!

This doesn't even deserve 1 star! I have been on the phone with them every day because I have been approved with PayPal Credit, after going through all the security and finally getting my credit line released. They told me I can now start using it. Now I have been trying to purchase off of my credit line and it will not let me. Everything I try declines. From $5 to more expensive. They said add a bank account. Did that still nothing! They said add a debit card. Did that still nothing! Now I have to find a different way to purchase my merchandise. I would have not applied for credit if I had the whole amount in my account! This is ridiculous. PayPal Credit workers are amazing but PayPal staff that you have to deal with for customer service is horrible and NO help.

After more than 8 years with this bank off, and on, I reopened an account under Paypal Credit. During any promotional purchase which is billed with interest after 6 months - to 2 years; just say if the item you purchase is returned, Comenity Bank does not refund your money, it stays on your account as promotion; which means you still pay the interest even though you don't have that item anymore. Isn't that illegal?

I opened a PayPal Credit account when I was just starting out around 18 years old. I've had it for about 5 years and I've never had problems with being able to make transactions. That said, I've never really tried to use PayPal credit outside of online purchases. I primarily used it for eBay and certain other online retailers. The PROBLEM with PayPal Credit, aside from a steep interest rate, is the "Bill Me Later" option. In other words, when you use credit rather than your PayPal balance. ESPECIALLY on those "no interest for 6 months" charges. Because what they don't tell you is that, when you pay your balance, the first thing your payment goes toward is the no interest charges. That is, you're NOT paying off the balance that DOES have interest. Thus, the interest on the rest of your balance continues to climb.

I feel that I not satisfy with your billing system. I feel that I have been overcharge on items and charge when I did not receive everything. Also every time I try to call customer service I online for at least 10 to 30 minutes in waiting time. I deeply appreciate if this company can contact me by telephone or mail in looking into this matter.

SO... A resort timeshare highly recommended PayPal Credit (Wyndham Resort Development Corporation out of Orlando, FL) for a purchase. I received a generous credit line, only to find out that they (PayPal Credit) can pick and chose who you can use this credit with, it is truly NOT a credit line at all. After reading the reviews on this merchant I will be cancelling all accounts with both companies, as something simply does not appear to be on the up and up. Who grants credit and then tells you who you can and cannot use the credit with? Also they NEVER directly spoke with me personally at all, yet allowed Wyndham to setup and make a high dollar purchase on my account. Crazy.

Applied and was approved for a credit limit solely to use to purchase a mattress via an online mattress company, credit limit was OVER the amount of my purchase price of the mattress and was declined- PayPal said since I was not an established customer with purchase history I would need to me "multiple small purchases over the next months" before I can use MY OWN LINE OF CREDIT for a larger $ purchase like the mattress purchase. I called the mattress company and made a complaint stating that should not be advertising a credit company on their site that won't even let customers purchase their product if they are not established customers.

I responded to a PayPal email promotion of 2 yrs 0% minimum payments... even went through the email to shop... Looked my statement up. It kept saying 6 month 0% so I called PayPal. They kept saying wait 48 hrs. After 3 days I passed time I could return the item and PayPal says I don't qualify for promotion because at checkout I didn't hit 2 yrs 0% box. I never saw that box and I went through they email promotional box that said let's shop!! Customer service says they can't help. Their manager says they can't help. What could is being a manager if you change something one of your subordinates did??? So now I'm writing letters for arbitration... wish me luck!!

Problem 1. The PayPal Credit account was set up without my knowledge or agreement. Problem 2. A charge was made. No one at PayPal could ever tell me what the charge was for. Problem 3. They continued to send bills and denied my dispute of charges claim, when they still couldn't tell me what it was for. Problem 4. They referred it to collection, where they also could not tell me what the charge was for. Problem 5. Over the course of a year I had to call them multiple times, and call a collection agency, and call them again before I reached someone competent to tell me exactly what the charge was. Though I never authorized them to do so a purchase that should have gone through my bank account was instead paid by PayPal Credit. That's where it all came from. In the end I paid twice the value of a minor purchase to end the business once and for all, the time and energy wasted on their incompetence and shady practices: PRICELESS.

I received a letter in the mail from collections for $147. In investigating it turns out that my PayPal account which is linked to my checking account was switched to using PayPal Credit. I never switched that. I called PayPal and asked them how that happened, and why PayPal Credit statements were not being sent to my preferred email address. They could not answer. So PayPal Credit changed my preferred payment method, failed to send their statement to my preferred email address, and then assessed my account late fees and interest of $48 (on $99 purchase). It's worth noting that I also never opened a PayPal Credit account and only ever used my PayPal account which was maintained in good standing since 2006.

So I have been had an account with PayPal for years. And has always made my payments on time. This one time on the due date I call them up to discuss something that I never received. So after the lady was done with assistancing me with that I asked could she take a payment for me and she stated yes. So I promptly given her my acct. info and noticed that it wasn't showing an pending payment. So as hrs. went past I called back to check on the previous payment that I had made over the phone with someone. They told me that it would take about 2 business days since it was coming through my checking acct. I informed them at that time I have never encountered this procedure to perform like this before. But, I rarely wait till the due date to pay and generally pay it online, with my PayPal acct.

I am very dissatisfied with PayPal. Every month when I try to pay the bill there is always a problem e.g. I can't log into the website, they try to debit from the wrong account and so on... this has to stop!!!

I appreciate companies that use solid security practices, but PayPal Credit (Comenity Capital Bank) and PayPal itself have made my credit account useless due to it being flagged every time I attempt a transaction. Every time I go to make a purchase online using my account, or send someone money, it is denied. This in turn requires a phone call to them, which typically involves a wait, for a total of 30 minutes on average. Every time they say it is due to a security flag on my account. Half the time they verify my identity using public record, at which point I can re-attempt the transaction and it might goes through. The other half of the time there is literally nothing they can do because they cannot override their computer system when the risk level is high. They just say I have to "wait", with no time specified. This is not OK.

My PayPal statement are wirelessly sent to me and immediately paid ahead of the due date. The last half of 2016 I made two purchases from two different vendors. Products arrived. I believed I had used PayPal (the real one). Around the first of 2017 I started getting robotic calls which merely stated on my phone as wireless caller. I began to notice that they came every day at the exact same time. So I decided to call back to stop the annoying calls. When I listened to the message it stated my name, that this was a call to collect a debt, and that I could pay on the phone. No way would I ever do that.

I called and asked to set up a payment arrangement to get caught up over the next couple months as I unfortunately fell two months behind. In the past any credit company has always been able to assist. Their responses was "You aren't eligible." I asked, "Well how do I become eligible?" and they said they don't know but their computer will tell them and it could be 72 hours to 3 months but they have no idea... meaning there is zero company policy nor help. The guy advised to keep calling every 3 days. Who has 25 minutes to wait on hold every 3 days to check and see if their computer has told them I am eligible?

I opened a PayPal credit line and was given a $500 limit. Each month I would access PayPal directly and check out my statement to make the payment directly via my checking account which I had attached to my PayPal account. Upon opening the credit line, I had to give my physical address which I do not receive mail at, but I receive mail at a PO box instead. I had always received correspondence via email and during the time that is in question, 2.5 months to be exact, I received 98 emails from PayPal.

PayPal Credit is the worst credit line you can ever get mixed up with. Jan 2017, I make my payment as usual. Well as February approaches I realize I have enough money to go ahead and pay my PayPal bill 2 days early. So I go ahead and pay the $304 to get that bill out the way. So here we are in March. Bill is due I log in to see what the minimum payment is, it shows $608 is due. So I call to find out how this is because their website sucks. You can't get details. I'm told that they never got a payment in February. So wait... They really thought I wanted to just give them an extra $304 two days from when my bill is due.

I've been receiving someone else's PayPal Credit billing information in my emails for about a year now. Every time I call PayPal Credit they ask me for my personal information but my information doesn't match this other person's information so they will not remove my email from her account. Please help!

I have a PayPal credit account. It started when I got a 300.00 credit limit. It said you can purchase goods, services, or send money to family or friends. Please be aware the webpage setup is designed where one may easily lose double what they may use from the available credit. We know, as sellers they already have your bank info, and automatically, funds come from this when due. I wanted to send money to my family member and went to credit section and clicked for the transaction and it acknowledged the action. “This is the first red flag,” the section above credit is to use your bank account funds to process the same type transaction. If a person knows they do not have available funds in their bank why risk an overdraft? The site will automatically take you to a page to reconfirm your initial transaction but not acknowledge whether or not it was your first choice. If you were sure you said from credit it should process but the "final red flag."

If you plan on filing for bankruptcy I would apply for PayPal Credit, send the money to a friend through PayPal using the credit line, have your buddy pull the money out of his account for you, then file for bankruptcy and stick it to them like they do to us. It works, I can promise you this! The interest rate is absurd after six months. They default your account to pay with 'PayPal Credit' then juggle your online pages around to confuse you so you can't turn it off. When you call customer service they are not helpful, in fact, the Supervisor was rude to me when I told him I wasn't getting a direct answer from his staff. The protection they offer is a joke and they don't care what happens to you. They will not work with you if you get laid off or have a hardship like a normal credit card company. It really is pointless to use if you have a normal credit card.

This is with regards to PayPal Credit. I purchased a service from a merchant for training which had a money back guaranteed. I returned the training and requested a credit from merchant by certified letter in the amount of $495 which was charged to my PayPal Credit account. I disputed the charge of $495 with PayPal Credit in December 2016 and they gave me a dispute number. PayPal Credit stated that they would temporarily credit my account in the amount of $495 while they investigated the charge with the merchant. They never temporarily credited my account and kept billing me and they never investigated the charge with the merchant. I followed up with multiple emails and they stated by January 2017 the merchant had an opportunity to respond.

If you are trying to get a loan quickly DO NOT go through these guys. They make it sound like they can approve you quickly to lend you money so you can pay it off without interest in 6 months. What they fail to mention is that you need to build your credit with them before you can actually get PayPal credit... I bet it is a good deal after you build your credit but they should not advertise it as if you would be able to get the money right away. I wasted my time and had my credit hurt by these guys for no reason.

I have purchased many items through Bill Me Later, now PayPal Credit. I bought a mac last night only to find an email that it will not be sent until I updated my information. I already updated email, phone number, and even changed my username and password. The username and password had been reverted back to the old. I was connected after calling customer service to Samantha. She asked me what is PayPal credit?! I couldn't believe she didn't know. I explained my situation and she said it was because I was denied credit. My email does not show that I was denied credit and there are no inquiries on my bureau. I could tell she was frustrated and she kept reverting back to I had applied for more credit. False. She was extremely rude and then talked over me.

I was sent a bill saying that I owed an account for $75.00. I called them and told them that I don't owe a bill from Bill Me Later, and they could not tell me who I charged something to my credit card. They said something about back in May, I went to that account and found that I don't anything. They told me to dispute it and I did and they said that I did the charge, and I keep asking who did I charged to, they said something to Bill Me Later, and said something about nutrition and I called the only nutrition account that I had and the lady said that they don't send bills to anyway, they charge the amount to the Bill Me Later or PayPal account and I find nothing. It was a Bill Me Later debit card, and Bill Me Later is connected to my bank account, which would be debited the amount right away.

I bought an item online and paid with a credit card which was linked to Paypal. 2 weeks later I noticed there was no transaction posted in my credit card. WEIRD, thought the vendor forgot to charge me. I was doing stuff online and thought I would check on my Paypal account. Caught me by surprise, the transaction was posted on their credit card. WTF!!! I am really pissed right now. Lucky for them, it is not during their business hours, so I can't call them. Never signed up for their credit line, nor accepted their offer, they just put it in their card without letting me know. I am going to refrain from using Paypal from now on, hopefully never to use it again. Good job, Paypal.

I just got laid off my job and can't make my payment on time. I called to see if I could make the payment a few days late with no late fee, or have the late fee reversed, or maybe change the due date. No go. Talked to a supervisor and still no go. I told him I was surprised there was nothing they could do to help me. No response. Terrible customer service. Supervisor had a haughty snotty attitude.

In 2012 I had to stop working and one income barely paid the mortgage. Credit cards fell behind. We agreed to a buyout of the debt in 2012. In March of 2015 they started showing up on my credit report for the balance of what I owed but bought my way out. This is crap. I have gotten Equifax to take it off for the last two years. However, I have to file a complaint every month to get it removed. This company sucks.

I've used PayPal for petty online purchases for over 10 yrs. and I've had link to my credit card & yesterday out of nowhere I got a bill from them! I immediately call the number on the letter and to my surprise they informed me I had open a credit line with them. I told them I had never did such thing and closed immediately before I got my family attorney involved, as of right now they informed me that it has been closed! I am extremely annoyed with them for this matter and I'm thinking about closing all tides with PayPal because of this matter!

We have used PayPal occasionally over the years but not too often. One time in the last 6 months we made a payment through what we thought was our PayPal account but later learned we somehow had been HIJACKED by PayPal Credit. This is a separate company from PayPal but affiliated. We never signed up for PayPal Credit, never requested credit and never filled out any forms for PayPal Credit. We never were notified of any credit being extended to us by PayPal Credit and had no knowledge of a charge being made through them in our behalf until we received a "pay up or die" demand for payment from them. Very deceptive on their part. I am furious they took over my basic PayPal act and turn it into a credit act that I NEVER WANTED.

This company is #1 ripoff. They juggle your account around as they see fit, their explanations mean nothing to anyone who doesn't work for PayPal Credit. Accounts are of different pages. It's crazy. I hope someone opens a class action lawsuit on them, when these people are paid off I'm done with them, jumping! One more thing. Some of their customer service people are smart ** and rude.

I had no idea I had signed up for paypal credit, I bought something on Facebook and signed up for paypal but it was a credit paypal and I didn't know that... So I bought something, thinking it was going on my credit card, and it charged to that paypal credit. Today I got a statement saying they are trying to collect a debt for a past due amount, AND THIS IS THE FIRST TIME I'VE EVER GOT A BILL!!! What I bought cost $31.95 and on top of that they charged me $33.95 in interest! All this without me knowing about it!

Bill me later or so called paypal credit has ridiculous interest rate. It looks sweet when you look at 6 months no interest advertisement but after 6 months, it gets really crazy. I had paypal credit balance $5000, my interest rate was $100+ a month. When my balance was $4000, my interest was $70+. Now my balance is $2800, interest is $55 a month. Really? I had $7000 balance on my other credit card and my interest was mere $55 a month. This is like highest interest I have ever seen anywhere. Use real credit card instead. Paypal credit interest rate is just crazy after first 6 months.

Other than Paypal defaulting my preferred method of payment to 'PayPal Credit'––which ended up adding to my balance very quickly––without my knowledge––for awhile and I am in the midst of trying to fix that part of this horrid misadventure. But the issue this complaint is really about, is regarding a scam that hit my account early this fall. Ipage, a website hosting service, posted a fee of about $168 to my account. This fee was supposedly for 'the next year of service'. Which, I did not agree to.

I got a phone call from a collections agency saying I was delinquent. I found out it was PayPal Credit. I owed over $1154, of which over $154 was interest and penalty according to them. I did buy a product for $1000 back in March, more than 8 months ago but I did not know it was deferred for payment for 6 months. I thought it was paid immediately. I was tricked into PayPal Credit when I thought it was the regular PayPal. I paid the principal and appealed the interest charges to no avail. I was given a reduction of $25 for late fees, however, I'm still irked to owe anything for interest. My advice is to never use PayPal for anything ever. As per Mack of Homestead, FL, "If you use PayPal you are a fool. It is not convenient. You're better off just using your bank with a real merchant account."

I have had PayPal Credit for maybe four to six months, and other than a couple technical glitches, I've never had any issues. The customer service both times I've had to phone has been very polite and helpful. The interest rates are reasonable, and my starting limit was really generous. I mostly use it with eBay, but I've used it a few other places also. I like being able to set up recurring payments to route through credit, so I have those special protections! Overall I would recommend PayPal Credit to people, but I would say that it helps to be a good troubleshooter, because PayPal and PayPal Credit both seem to be a little better suited for people who are able to spot potential issues and head them off before they happen.

I was approved for paypal credit. I linked my bank account so I could make payments to paypal credit easier. I made a purchase with paypal credit and paypal credit charged my bank account instead and made my life terrible because my bank account was -1000. When I called customer service the gentleman kept putting me on hold because he couldn't give me a straight answer and kept having to come up with something. His best answer was, the purchase did not qualify for PayPal Credit!!

I did not want to provide my checking account, so I opted to send payment through the mail. The first payment I sent I noticed PayPal sat on the check for 10 days before processing it. When I called customer service they said as long as my payment was postmarked by the due date all was well. WRONG...THEY LIED. They began charging late fees the next month after deliberately sitting on my check payment and not processing IT...despite me paying 5x the minimum payment, 10 DAYS IN ADVANCE. These late fees are gone, never to return. PAYPAL CREDIT *WILL* EVENTUALLY TAKE MONEY FROM YOU. Stay very far away from this service.

PayPal Funds was the primary funding source, PayPal Credit was the backup funding source for both transactions. My bank account was NEVER authorized as a funding source. When PayPal Credit rejected the transactions PayPal re-routed them through my bank account, which I did not authorize. PayPal credit should have declined the transaction and I should have received notice of failed funding. I am very upset that what I thought was going through as credit ended up coming out of my bank account without ANY notice.

I've been on the phone with PayPal 3 days in a row. Every time I get put on hold. First time for 45 min, second time 40 min, 3rd time 20 min and no one answers. Last time they offered to call me back in 7 min. 3 hours later no one has called. These people are a joke. It's incredible how they collect your money within a few seconds but take forever to resolve a return and refund your money. Legal action should be taken with the company. Why is our government not regulating this company. Never again will I use PayPal.

I was given $1201.00 in PayPal credit. I have tried using the PayPal credit on numerous websites including eBay. I have tried the stores listed on PayPal website. I have tried to pay invoices received through my PayPal account. I have tried to send money. I have not been able to use PayPal credit once. I have called PayPal Credit several times about this. The last rep said the computer system decides to approve or not approve each transaction. Each rep I talk to tells me something different but always comes back to the computer system is not allowing it and they cannot do anything about it.

Overall, to begin with, I was happy with PayPal credit because it helped me thru a rough time. I got a $800 credit limit. I started paying it off. My minimum payments were about $25. I have not used the card in 3-4 months and have paid on time every month, but somehow I have only $25.11 available after paying $25 for 3 months without spending any money? Called but some foreign lady answered and said it's because of interest. Uhm, no. Worst decision I've ever made. Don't do it.

Paypal offers this line of credit (Paypal Credit), but they won't let you use it. I called them today. The rep told me even though they approved me for over 2k, Paypal will decide if you can buy anything with it. What the hell is that? Well I don't much about business, but you'd THINK, they'd want to get the interest from the product. It's very frustrating. I've tried to buy eBay items of different amounts from $140.00 to $550.00. I've tried different days & times also. Anyone have any ideas? And sorry I don't have an order # since I couldn't buy anything. Plus they don't explain why they decline it. This is what I get: "Your application can't be processed. We're sorry but you won't be able to use PayPal Credit for this purchase. Please choose another payment method". Stupid Paypal.

I was granted a line. I tried to use it. Denied. Over 10 attempts over 2 weeks for ANY amount, unable to use it. PayPal gave me the following excuses: "Try in 15 minutes. Try another browser. Try in 24 hours. Try another merchant. Oh, That merchant does accept PayPal CREDIT. You can't use all of your line" (I wasn't trying to any it would deny ANY amount). Don't waste your time with this. I am going to file a formal FDIC and Consumer Protection Agency and CA Attorney General Complaint.

I have never opened a PayPal Credit (Bill Me Later) account. I recently received a letter dated September 19 stating that I had not been charged interest on my account but would be in the future by Comenity Capital Bank. The letter was the means that I became aware that I had a credit account through PayPal that I had never opened. I called the phone number 866-528-3733 and was told I had in fact opened the account in 2014. The letter said I had opened it on March 5, 2013. They didn't even have a straight story about the date they claimed I opened the account. I asked for the account to be closed. I was told it is now closed, and I hope that is true.

Received 1 pg letter from PayPal credit referring to changes in my account. PROBLEM: I have never opened an account with PayPal or PayPal Credit. I accessed their website and tried to open 'my account'. I was prompted for my email address. That failed. I was prompted for my phone number(s). That failed. I was also prompted to sign up for a PayPal account so I could report the problem. The email option also requires an account. Since I can't login to account I didn't open, I gave up. It was after hours. Called next day. Janeen answered. I explained the situation and it quick was apparent that she wasn't empowered to help me. I asked to talk to a supervisor.

NOTE: Interest and fees charged by a lender cannot exceed fair credit consumer laws. This company is in CLEAR violation of that, and a "CLASS ACTION LAWSUIT SHOULD BE INITIATED". PayPal credit is an embarrassment to eBay, and every source that uses them. I dropped my account today, BUT to make my point, I will never again do business with any vendor that uses PayPal Credit as an option. These folks are thieves.

If I could rate them a "0" I would. I opened an account with PayPal Credit in 2014. I was very happy that I was given the opportunity to get this account. Throughout the year I have told many family and friends about how happy I was with PayPal Credit and they have also open up accounts with you. I've made my payments on time, even paying two. I have spoken with several reps from their customer services due to never received a bill. I was told I had chosen to go paperless (NOT) when I opened my account therefore making my account late for $9.78. Was shocked due to my checking is set up for PayPal as well so why would I charge $9.78 and not pay it. Once I got that matter cleared I continued to make payment to pay this account off. My account show it due 15th of the month. Which I gotten burn before because I paid them in advance and still received a late fee due to no payment on the 15th.

I had a credit of almost $1,000. I closed account and was promised a check for the credit. I called four times and was told three times "the check is in the mail" which meant "it's not my job mon". Now it's a month and I was advised last Thursday that it would in my mailbox. Debbie said that's what her supervisor said. It's Tuesday and not only has no check arrived. I found out it first went out last Friday. One day after Ms. ** told me it had already gone out. How can a company treat its customers like this. I spoke to someone named Sherell who claimed to be a supervisor and surprise the check is in the mail.

I was offered a $2500.00 PayPal Credit Line with little guidelines on what not to do to bring red flags to a PayPal Credit Account. I still can't use my PayPal account with eBay Purchases or with Invoices.

Purchases are confused as PayPal debit card which is separate. It is auto filled from a bank account so balances are automatically paid and the debit card managed balance restored. PayPal Credit is a loan shark operation hiding behind PayPal debit card. If you make a purchase thinking it is being billed to the debit card and will be auto-paid on time, and it ends up as a "loan" on your PayPal Credit account, you never hear about until months later. Thinking the bill was paid on time, you dismiss it from your mind. Instead, PayPal Credit was laid a trap. You have a "loan" accumulating interest and default penalties of exorbitant amounts. Finally, they call or send a bill in the mail, but by then you will "owe" them huge fees. They know their business model is a scam.

Too bad I can't rate PayPal Credit zero stars. It has been the most horrifying experience when it comes to making purchases online and dealing with their customer service, not once but 6 separate times. How can you extend $2200 of credit but allow 1 purchase of $47 and some change? For the last 2 days I have tried to purchase an XBOX One and a few games from Walmart.com. At checkout the PayPal page would load then give the option to use my PayPal balance, debit or PayPal Credit. Again... I have $2200 of extended credit. I chose PayPal credit and the payment is turned down. WTF? This happens twice, each time asking me to choose a different form of payment. I try again 4 hrs or so later and this time, it doesn't even give the option to choose credit, it wants me to use my debit card tied to my account.

I signed up for PayPal sometime last year. I used it to pay for a couple of things here and there, and returned an item or two at one point. Suddenly when I am checking out I see "You have a $35 credit!" which I think, awesome! I didn't realize I had this but it must have been from my returned items. So I clicked to use the credit. Little did I know that this was signing me up for a CREDIT CARD aka PayPal Credit. I'm a pretty savvy consumer with a legal background, and I could not make heads or tails of it. I didn't know that I even had a line of credit until they sent me a late fee in February! I called, saying I had no idea what PayPal Credit was, I didn't want it, I didn't know I even had it. I was happy to pay the balance but I wanted the late fee waived and the account closed. The lady very nicely agreed to waive the fee, and I paid and I thought the matter was done. This was in February.

If I could give PayPal credit zero stars that would be too much. I was online shopping for an elliptical machine. I saw one on Nordic Track website that I liked - I saw an offer to apply for PayPal credit, I was immediately approved for $1500 and purchased that equipment. A few hours later, I saw the SAME machine on another site for $800 so I canceled the initial purchase and attempted to purchase the other one for $800. PayPal wouldn't allow it. I called PayPal credit and they assured me I had $1500 available and there was no problem on their end and that I could purchase it. I tried 3 more times during that evening and each time it didn't go through. I called PayPal credit again and they told me it would work in 24 hours. I waited over 24 hours, tried to purchase and again it didn't go through.

I had a PayPal credit account for years. I always paid as agreed. When I opened the account my FICO was 680 currently it's 725. My balances on revolving are lower than they have ever been. I was just advised that my account was closed without notice.

It was NOT clear to me that PayPal Credit is NOT associated with PayPal. I thought I could use a $2 credit with PayPal to pay part of a small charge I had with PayPal Credit ($130). Did not happen. This $2 difference built up to over $20 in late charges before PayPal Credit bothered to send me a bill in the regular mail. I may have deleted or sent to spam the email notices, but I could not find any in my inbox. When I called, PayPal Credit admitted they had on record that I had closed my account with them, but somehow, they never contacted me to clear up the misunderstanding about the less than $2 difference between what I had paid them and what they thought I owed. 8 months later, I finally get the bill in the mail with all these late charges and notification that the bill had been sent to collections. AAAARRRGHH!!!

Paypal credit is the worst credit company I have ever dealt with! I have paid them numerous payments even weekly of large amounts to get my bill down and they have charged me $35.00 for a promotional purchase that I paid off months ago! They told me I have to call in when and state that I wanna make a payment to a promotional purchase. Never was I told that when I signed up with them! They are sneaky. After paying off my promotional balances I have been charged every month around $8 in interest even though I am putting way more than the minimum payment there. They told me if I put more payments there the interest would be less and no it's not. It's the same. I am so close to paying this card off and will immediately cancel afterwards! Never again! Do not ever apply with paypal credit! They suck your money and they suck. Period! They are losing a great paying customer...

What a scam this is. They lure you into opening an account, hand a hard credit report and approve you for a line of credit. Mine was 2800.00. Have tried on several occasions to use and have only had one transaction of 22.00 accepted. Any and all other transactions did not have the PayPal credit option when checking out on PayPal and wanted to take the money out of my checking account or another credit card. What a joke PayPay Credit is. Had I done the research prior to opening the PayPal credit account, I never would have applied or accepted it. Do yourself a favor and save yourself a lot of hassle, stay away from PayPal.

I spent the good majority of my morning yesterday talking to these idiots. I signed up for PayPal credit recently and was approved. I went to make a purchase and it would not give me the option. Called PayPal (3 calls) to get it "resolved". The woman that "fixed" it unlinked it from my PayPal to a new PayPal. NO GO. Since it was a new PayPal I still couldn't use it. Called these idiots back and got it switched back over. Due to adding it back it limited my account. I had to call 4 more times to get it fixed. Still not resolved. Finally after the 11th call, and 4 managers it was fixed right? Wrong. I went to make a purchase using credit... and when I looked in my bank account PayPal reverted it to processing the payment through my actual debit card. I am deleting my account with them today and filing another complaint with the BBB. These people are complete and utter morons. NEVER do business with them!

Very simply I asked for them to research a company I purchased from just to determine which computer I had. I also contacted the seller that promised a return call. Seller gave me 2 tracking numbers. No call from seller or PayPal. PayPal works with dishonest merchant services to run up credit charges. Then closes your account under dishonest dealing with seller. Stay away from their credit division. Merchant Rakuten. Also sold me a computer that they didn't have in stock.

Previously known as "Bill Me Later" this company will intentionally hold on to your payments in order to scam more interest out of you. And it builds, and builds, and BUILDS. We paid what we owed ($54) on time, but they held on to it and charged us $30 interest. When we didn't pay it, they continued to charge us interest. And finally when the interest was $170, we wrote a letter to consumer affairs who got in touch with them. They reduced the overcharges to $50. Still haven't paid it. They said they closed the account and aren't charging us more interest. But they are. Don't ever use this "service".

Requested a check less than 5 minutes ago and they want to charge $15 fee to cancel it. It costs $1.50 to send it out. What kind of crap is this? That is an outright scam!

PayPal is tricking people into signing up for their credit!!! They tricked me into signing up, and then they DID credit checks with Equifax and the other agencies. This has brought my credit score down. I have contacted my attorney. We should all get together and file a lawsuit against PayPal. They are dangerous and they will deceive you and ruin your credit. Beware of PayPal!!!

Accumulated over $100 in fees on an accidental $5 purchase in 5 months. Of course they don't notify you of a past due payment until they a nice big pile of fees... Closing account required calling in and had me on and off hold for an hour.

Whoever concern it maybe. My identity was stolen several years back. Someone open up an account in my name. I got a police report and sent it to them so it rocked on for a while. They finally figured out it wasn't me. Till this day they will not let me open up an account with them all because what someone else did. I think it's pretty lame for them to hold it against me. I hardly ever complain but this PayPal Credit is a damn rip off, high in interest and payment wise. So beware of this business or whatever they consider their self. I think ebay needs to get someone else to handle the money situation on selling and buying. Paypal credit will never get my business on financing wise. Far as my concern they don't exist.

I very rarely write bad reviews for businesses. Usually if I am dissatisfied with something, I stay away from the company or product and that was the end of it. In the case of PayPal Credit, they made me so angry I literally made an account at ConsumerAffairs just to report them. I was the victim of identity theft - someone opened a PayPal Credit account without my knowledge or authorization. Obviously, the person used an e-mail account that does not belong to me, so whatever it was that he bought (assuming he even bought anything; for all I know it could have been a phony purchase made to a fake business that doesn't exist), I was not notified of it at all. However, the mailing address on the account does belong to me.

When I was sent the MasterCard from PayPal credit I called and spoke to someone in regards to the $4,600.00 I was told was mine to spend and that the balance on my PayPal smart account would be put on the MasterCard and I said "then how do I have $4,600.00 dollars to spend?" I was told that the amount was above the balance that was being put on there and it was mine to spend and that the items I purchased would be added to the smart balance that was put on the PayPal credit card... Well not only was I told this once but three (3) different times I called wanting to make sure I fully understood! I am in a wheelchair and was so excited as I was needing to buy a new chair and purchase a machine for my legs and go back on Nutrisystem to finish losing weight to get rid of the type of diabetes I have.

Ok so I was in between my pay period at work so needless to say I was broke until the following week. I was at work and starving so I decided to sign up for PayPal credit to order some food from GrubHub. The purchase was like $16 bucks or so. No biggie since I would pay off balance the following week. Anyway, I made the purchase and GrubHub gave me the option for Paypal and then I selected credit. After purchase I logged into Paypal to see the balance on the Paypal credit and sure enough the $16 was there Great! Well the following week I look at my bank account and I see that paypal was trying to take the $16 purchase from my bank (mind you I had only $1 in my account), which caused me to get an overdraft fee of $34.

Ordered artwork from Art.com. Checked out with PayPal Credit. That's credit stand alone with PayPal not linked with checking or credit card. PayPal credit gave me a line of credit, ordered picture from Art.com. PayPal Credit authorized my Visa card, charged for 144.00, then realized their mistake, and d/c my Visa card from my PayPal Credit account. In the meantime postal service lost art work. Art.com will not return money to my Visa card because was charged by PayPal Credit. PayPal Credit will not accept return money because they d/c Visa card from PayPal account after discovering their mistake. Now no money or picture. Tried to cancel.

I had a problem with my PayPal Credit account and knew that moneys that were supposed to show up as available credit as I kept paying off my promotions, was not showing up. When I spoke to the reps, several of them sometimes several times a day, they would often imply that their "computer system" could not be wrong. They also keep saying that the numbers balance out so it must be correct. I told them "you can have wrong numbers balancing out and that does not mean they are correct!" Many times the reps made me feel as though I was some idiot who did not understand. In one case I got into a heated argument with a "supervisor" who insisted my balance was a certain amount and it was not!

This place is awful!!! I should have read all of your reviews giving it one star. I bought something in May, was billed 19.99 for it, by the June bill it was in collections and I owed 26.99 and then when I called on June 17 it had jumped to $53. WHAT!!! I knew the interest rate was out of this world but my bill more than doubled in two months and they ruined my credit. This is a POS company so beware. I will never order anything ever through any PayPal account. What they do is criminal. I can't believe they are allowed to take advantage of people like this. Anyone want to champion a class action suit?

So I just got the spend 50 get 15 dollars off deal on eBay. Before the 15 dollars off my total purchase was $118 after $103 but PayPal credit charged me $130. They double charged me for a single item. I did not order two of the same item. I even checked my PayPal main summary and it only showed $103 worth of purchases. What should I do? Feel free to comment any good suggestions.

I will spare you the minor details of my experience with checkout at QVC.com, except to say that it was fraudulent, and that Paypal Credit refuses to do anything about it. Using the Paypal Credit payment option, the QVC checkout process attempted to force me to create a new PPC account. I already have one in good standing – why would I need a second? So, I called QVC customer service, and informed them of the problem. "Morris" simply chattered the terms of the option in the same terms used on the website, and would not answer WHY I was required to create a new account, or answer my other questions. My next call was to PPC customer service, with the same complaint. Speaking to Jillian, there, I got the same response as from QVC, PLUS a new wrinkle – it's THEIR fault! That has a familiar ring, as when I created my PPC account, I could never complete a transaction.

I have had PayPal credit for a very long time now and have used it millions of times when ordering, never any issue but I guess there is a first time for everything. I have also had my bank account linked to my PayPal account but never carry any balance on it, it's always zero. I never use my bank account to pay - always used PayPal credit but I added the account so that my account could be verified. Well yesterday I placed an order for 3 items on eBay, checked out all of them at one time and chose PayPal credit as payment option. For some reason one of the transactions did not go through the PayPal credit but went through my bank instead! I was not happy about this. Yes the money was available but I also have plenty of PayPal credit available too.

I opened a PayPal credit account because of the 6 months no interest. I had only one purchase I needed to make and it seemed like a better option than my cc. I did the purchase online and chose pay with PayPal credit, no problem. Got the item and all is well, until I checked my bank account. The item was withdrawn from my account instead of the credit account. After getting the runaround and hung up on from their terrible customer service, I find out that after you make a purchase it goes through an"approval" process?

I received a bill for a $26.75 item that I thought I purchased through regular PayPal. I was then charged a late fee of $27.00 -- more than the item I purchased -- for a total of $53.75. Once I received the bill, thinking this was a scam since I didn't think I had signed up for this credit card, I called and was told that I was approved for a fairly large line of credit (that I don't need or want). The collector said I had to have provided a lot of personal info. to get this line of credit. I must have known I was signing up for a credit card. I seriously don't remember ever signing up for this. VERY weird. I canceled the account. Won't use PayPal again. This is a scam -- They must be flying right under the "legal" radar. This could cause someone a lot of trouble.

I had $100.00 debited out of my account from PayPal credit. I don't even have a PayPal credit account. So I called PayPal. I was not only on the phone (or should I say on hold) for over an hour, I spoke with 4 different people, the last of which was a supervisor and none of the 3 people I spoke to before her had filled her in on my situation. They took money out of my account, but told me since I don't have a PayPal credit account there was nothing they could do and I would have to contact my bank. That's completely ridiculous. Not only is their customer service horrible, but their business practices are not any good! If you took money out of my account, which I clearly didn't authorize considering I don't even have a PayPal credit account, you should be able to give my back my money! I am extremely dissatisfied.

DO NOT GET A CREDIT LINE WITH PAYPAL CREDIT. After you make attempts to pay off your balance within the 90-days they mysteriously create reasons as to why they have to close your account AND does not bother to contact you! It's been over 6 months and I cannot get a straight answer from them as to what's going on with my account and balance.

I had an individual order a book for me from Amazon. They made a mistake and signed me up for PayPal Credit. The minute I found this out, I paid for the book and stopped the account, I do not use credit. They keep calling me daily to tell me that I owe them 130.00, they cannot explain why I just owe it. Finally, they said it was for various fees, and they will continue with the collection process. I will never use any PayPal function again. My only recourse is to turn the company in to the state's Attorney General. Beware when using PayPal, they will rip you off.

I made the decision of using Paypal Credit to make a fairly large purchases in October 2015 - for an amount of $938.92. They had given me a promotion of no interest or payments for six months. I get my monthly statements online, as most people do. I never bother downloading the statements. Why would I need them on my computer? Every month the same sentence at the bottom of my online statement "No interest or payment due until April 23rd." Fine I thought. When April came around I made plans to pay off the balance in full and therefore avoid any interest. Since every time I log in online, it displayed that no payment is due so I thought as soon as the promotion ends the required payment of my balance would be displayed and I would pay it then.

I have sent checks to this company that haven't been credited to my account. They claim they were returned, they weren't. I would not recommend dealing with them unless you want to double check everything they do.

I was charged for PayPal credit that I never accepted and they are claiming that I did. They have been calling me multiple times a day at work during work hours where I can't talk and have been rather verbally abusive. This has caused a lot of stress for me and I am currently getting a lawyer involved to settle these actions. I can't believe this company would do such a thing for such a small amount of money that has now compounded into a few hundred dollars. I hope someone reaches out to me because I will be posting this as many places I can find.

Made purchase on April 11th using PAYPAL CREDIT (I do have available credit), next day charges show up on my online bank statement. I called their customer (dis)service department call center and initially was able to speak to somebody who was very articulate and most likely even from the US. I explained the problem and she placed me on hold for a few minutes. After a short time she informed me she was transferring the call to another individual whom I can only say learned English last week and was most likely in a deep Indonesian jungle.

I have had a PayPal account for over a year now. Never really used it until recently, until late 2015. I made 3 purchase all which supposedly came with no interest for 6 months, "SO THEY SAY". It make my payment 1 week earlier than the due date and always send them extra, like 3x extra. When I contacted PayPal about the promo, not once, but three times they stated that any additional payments would be added to the promotional balances to bring the balance down before the 6-month end term to avoid interest. On March 26th one of my promo was ending and the balance was 126.00, previously before then I had made my normal monthly payment of 25.00, plus an extra 75.00. I did this for 4 months in advance.

Calling PayPal customer service is a merry go round. GETTING AN ANSWER, means being transferred to several customer service reps who are not knowledgeable. There are chargers on my account that cannot be explained.

I inadvertently opened a credit account when I thought I was using my regular PayPal account. They never billed me but finally started sending me late notices with interest and fees. I called and offered to pay the original charge but not the late fees and interest. They declined. I hung up. I will never pay what I don't owe. They are slippery and slick and rude.

I opened my account on the 20th of March. It was easy. The very same day it was limited. I figured it was because of my age or something. I sent in all my documents and the limitation was removed. I couldn't use it. I sent in a email and BAM... limited again. Literally. They requested the same thing. I re-sent it and the limitations were lifted. Now I tried again. Can't use my account. Guess why? Limited again! I sent in my ID with a selfie, 3 bank statements, a credit card statement, deed to my house, copy of my SSN, cable bill, water bill, oil bill, and electrical bill. I also did the "we will call you" confirmation at 2 in the morning and that "I charge you" thing. The ban was lifted. I tried AGAIN to pay an overdue invoice. Can't. I called. My account is under review again. What more do you want? What more can I send? A blood and hair sample? Urine and stool as well with a blood sacrifice?

First, PayPal opted most of its customers into PayPal Credit without their consent. Second, PayPal did not automatically default your account to receive all of the PayPal Credit related emails and notifications. Therefore, if you have a balance due, you're not guaranteed to even know that you have a balance due until you receive a late fee notification and interest fee. Third, PayPal Credit is not a REAL Credit Card company. They do not report to the Credit Bureau. If you're a responsible business person and pay off your credit card monthly, hoping to use the credit to increase your credit score, think again. PayPal Credit does not inform credit bureaus of your timely payments.

I completely paid off prior months bill and then paid $450 on this month's bill 5 days before the statement closing date. I had $600 in new promotional charges and $250 in non-promotional charges. They now say I still have a minimum payment due of $25 and amount to avoid Standard and Deferred Interest OF $240 for this month's billing period, when I have paid $450.

I call PayPal to make an arrangement to pay a large sum off on my account. The service guy was not helpful with this arrangement and denied to help me. Apparently he has closed my account before it's been paid off and now they are taking money out of my regular checking account for small purchases claiming it's my PayPal credit but in fact it's from my debit card.

I applied with PayPal credit a month ago. Well on the 3rd of this month and it has been a mess. I only applied for this account because it was supposed to be safe and easy to use and it has been everything but that... I have been on the phone every day for so much of my time and have spoken to so many different people that would tell me different answers of how to fix the problem. I understand that each time you call you can't talk to the same person however they should apply a system where it is noted in your account what agent you talk to and what he advised you so you don't keep going in circles like I have, and the worst thing is I have been speaking to supervisors even on the phone 3-way so they could hear what they both was telling me... I thought that would be the end of my nightmare but it wasn't. I only wish they were just as attended to you when you needed their services as I sure they would be if I didn't pay a bill.

In trying to pay off my balance they charged me interest twice before I could pay it off. Finally called. They refused to charge off small interest balance but took payment over the phone to avoid further interest. They lost a long time, good paying customer over $17. Plus I will spread the word to friends, family and associates. Service and management was better before PayPal got involved.

I received a bill from paypal credit with interest and late penalty in August 2015 for a $7.53 charge made in May 2015. I did not make any charge to any credit account and I never applied for credit. All my charges are directed to my bank account or visa. Paypal claimed I did. I went around with paypal and they agreed to drop some of the penalty and close this if I paid $15.93. So I told them to take it out of my bank account, which was agreed to.

I made the mistake of using Paypal Credit to make a fairly large purchase in Sept 2015 - $2850. They had given me a promotion of no interest or payments for six months. This was a lie! I get my monthly statements online, as most people do. I never bother downloading the statements. Why would I need them on my computer? Every month the same sentence at the bottom of my online statement "No interest or payment due until March 2." Fine I thought. When March came around I made plans to pay off the balance in full and therefore avoid any interest. But Paypal had scammed me.

I have used Bill Me Later for years. It was easier to shop online with it. When it originally transferred to Paypal Credit I didn't notice any major change. When it sold to eBay, it became absolutely worthless. I went onto the site and tried to handle a transaction and followed the step by steps, until it told me to click a button that didn't exist. When I called customer service, I spoke to three people, who kept saying, "You mean it doesn't say...?" Finally got a person who said, "Oh! There are issues with the website, we'll fix them soon" WHICH, they did fix about 24 hours later. Went in today to try it again, and AGAIN it doesn't work. Noticed in an email from our reunion people, "We can't use credit cards to pay for the reunion, because PayPal doesn't work with credit cards anymore." Sad to see it go down the drain. It was perfect in the old days. There is no order number because the transaction never went through.

PayPal makes it incredibly easy to unintentionally open their ridiculous credit account, without knowing you have done so. I made a service purchase and thought I had paid by PayPal, as I had done often before. Somehow this $20 purchase was diverted to credit, which I absolutely did not want or know I had done. Having gotten used to many fraud attempt with regard to PayPal (request for update of bank information), I ignored the emails from PayPal Credit, particularly because my computer security labelled them as probable fraud. I thought I had certainly never opened a credit account there, having never entered into any agreement to do so.

I signed up PayPal Credit with 18 month no interest for my iPhone purchase. I set up auto payment and have always paid the required minimum payment on time. After 9 payments, the minimum payment suddenly changed to a much higher amount with no reason given. Since I didn't check the statement monthly, I was assess $35 late fee for 5 months. When I asked why the minimum payment was changed or why was the term changed, the rep cannot give an answer, and mentioned it's my responsibility to check my statement on a timely basis. I think a class action should be filed for this matter. The company failed to honor advertised promotions and abusively charged late fee.

I like many others have been using Paypal for a long time. I had opened a bill me later account in 2008 or 2009. I didn't even know I still had such an account. I bought a ticket for a concert for 26 in December. I thought it was taken out of my Paypal account. I just received a past due notice for 90. When I call, it was a purchase that I made but I still do not understand how it was charged to this credit card, here was the bill to begin with, and now it is past due. I feel like something fishy is going on here. I called and paid the original amount and they did waive the late fees that I didn't even know I had. And I asked that the account be closed so this can not happen again. I am really gun shy with Paypal since someone hacked into my Paypal account a few months back and used it for Ebay. That was fun! The person that I spoke with was very nice and patient but the process of how I was billed on a credit card was beyond me and somehow felt tricky.

Somehow charges were added to my PayPal credit. I hadn't used it in 2 years before this. PayPal credit showed up on my PayPal account one time then disappeared. Thought I was seeing things. But even when you search for PayPal credit or use a link in an email you are taken to your PayPal account page. In my case PayPal credit balance was not there, although email links kept sending me there. I finally got a late fee email and was told they would pursue further collections. I couldn't find them. I called PayPal who told me how to get in touch with them.

I thought I had one PayPal account which I have been making payments to. Now I have been turned over to a collection agency for charges I thought I had been paying all along. This is the first time I have ever been turned over to a collection agency. I am so mad. Apparently purchases I made via QVC last year went on a PayPal credit account instead of PayPal Smart Connect (I didn't even know they were two different things). I paid it today and have severed all PayPal accounts. I will NEVER use it again. Sooo mad.

Whenever I make a payment on my PayPal credit card balance it takes 4 to 7 days for it to be deducted from the balance. When I make a purchase it also takes 4 or more days to show in the balance. So everything is so delayed that I cannot tell if the numbers are accurate. Trying to do a personal audit is a nightmare. Why does it take so long to process these accounts?