Is the PayPal Credit Account Worth it?

Fabi098
Contributor
Contributor

Hello everyone, my name is Fabiola and I'm new to PayPal yet I was "selected" to apply for its credit. I read their terms and conditions and it seems like a pretty good credit account, but I still have some questions I would need to get answered before making any final decisions. I tried calling three times at[Removed. Phone #s not permitted]and they ended up hanging up on me every time, not a very good customer service to begin with. Then I tried the live chat and it couldn't help me either so I'm heading to my last options that its the PayPal community in hopes to finally get some answers. My questions are:

  1. Does it report to Bureaus such as TransUnion or Equifax? 
  2. Can I pay with it at actual stores that accept PayPal or only online?
  3. How can I be certain that if I apply for the PayPal credit I will get approved? (I have good score but low credit life)
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