I'm thinking of using pay pal credit to pay for someone's Christmas present. I want to buy something that's 280. I have applied for pay pal and been told I can have a credit balance up to the value of 400. If I only spend 280, will I still have to pay 400 pounds back despite the fact I haven't spent it? Also if I pay the 280 back within 4 months (on a 0% interest) will I have anything extra to pay for or will that be my full balance paied?
