cancel
Showing results for 
Search instead for 
Did you mean: 

PayPal Credit Not working for anything

SOLVED
Contributor

Re: PayPal Credit Not working for anything

Here's my issue; I got a credit line for $3750 and it allowed me to use $1000 of it right away. Now, it isnt even offered at the same merchant. This is very frustrating because the $1000 was a deposit for a custom built instrument and now it wont let me pay the rest. Why does paypal insist on decieving its customers? I guess I'm out $1000 bucks??????

Re: PayPal Credit Not working for anything

That is by far the most ridiculous answer that I have ever heard. Do not listen to that person. He/she is a fool.
Highlighted
Contributor

Re: PayPal Credit Not working for anything

That answer makes no sense as this paypal credit is approved after they run your credit an have to have good credit to be approved . It seems like it's a scam card . I've had for a week an can't use it nobody at call enter knows crap . They all say contact merchant it's not us it's the merchant . I've tried 10 places . Decline EVERYTIME.
New Community Member

Re: PayPal Credit Not working for anything

Paypal is a scam I used paypal for my business and they kept my first business payment from a sprinkler job and kept 500$ which was to cover material I purchased for the job for 6 months. And now I had to get a small loan to keep my business going ...they are a very big scam and don't think they should be in business and should be arrested for fraud
Contributor

Re: PayPal Credit Not working for anything

I don't have any disputes or anything and they still do this.
New Community Member

Re: PayPal Credit Not working for anything

Totally irrelevant answer. It clearly said in question that PayPal credit has been approved. Credit rating and risk factors are not considered after credit has been approved.
Contributor

Re: PayPal Credit Not working for anything

Exactly! Suchrony bank .the issuer, says nothing is wrong with my account The payoal wallet person I talked to was not helpful at all. When I said, "so I guess I just cant use the rest of my credit line?" Her answer was, "for now." What kind of garbage is that??? Lol. That's fine... I just got a new credit card (a REAL ONE) so I'll pay this mistake off and close the account. I'm reporting paypal for shady business practices and will tell everyone I talk to to never use paypal credit. They will never fix their system until their bottom line is affected.
Esteemed Advisor

Re: PayPal Credit Not working for anything

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.


Kudos & Solved are greatly appreciated. 🙂
Contributor

Re: PayPal Credit Not working for anything

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.

Esteemed Advisor

Re: PayPal Credit Not working for anything

Eh, yes and no.  If you hadn't applied, I'd say no.  Since you did, might as well leave it on as there is no fee to keep it on unused and you might be allowed to use it in the near future. But it's up to you if you want to remove it of course.

 

When you apply, it is like seeing if you are generally eligible or creditworthy for PayPal Credit product.  For use, the system then reviews your account history and other factors to make a determination whether to present itself to you as payment method during each checkout session.  The stars have to align so to speak.

 

This always seems to occur to people who have reported they've applied for it.  They say they can't use it.  It is better to be offered credit, than to seek it out.

 

I do not have PayPal Credit.  I have plenty of credit on cards already so I don't need to be applying but I get offered PayPal Credit all the time when I checkout.

 

 


Kudos & Solved are greatly appreciated. 🙂