Hi Colbe,
I'm sorry to hear that you were not aware you were using PayPal Credit when making a purchase. When making a purchase, you can review the payment method before completing the purchase, and make changes by clicking Change Payment Method.
To see the Terms & Conditions for the use of PayPal Credit, click Legal at the bottom of any PayPal page, or visit this link directly: https://www.paypal.com/us/webapps/mpp/ua/ppcredit-tnc.
I hope this helps!
Olivia
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