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Since your PayPal account and PayPal Credit account is new, PayPal Credit will not be available until you have built up a good history on PayPal account using your own money. Once that happens PayPal Credit as payment method may start to be available but only when it is offered at checkout. Even then, an alternate funding source may be used instead if PayPal Credit decides not to approve a purchase after you submit payment under PayPal Credit. PayPal Credit reserves the right to restrict use of the line of credit depending on the circumstances of each purchase.
So basically there is no reason to have it? If I can't use it whenever I want, what is the point of it? I'm not asking you that directly, I am just stating that there is no use for it then... If i have to jump through hoops to use it... seems very pointless to have and/or offer to customers if you aren't going to let them use it.