On all my credit reports, I have an open, current, open standing $8,000 pay pal credit account (I’ve never used or known I’ve had this until recently doing my own investigation into my credit report), although I am unable to use it. Whenever I log into my PayPal account, it invites me to apply for a PayPal credit account, not use my current open account. I’ve called, no resolution - and the person I spoke to was very condescending and rude, spoke to me like I was a complete moron. She advised me to go in a merchant who accept PayPal Credit and try that way - I did that , and the same thing happened, invited me to apply. Can anyone help me????