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PayPal Credit Not working for anything

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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??????
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Re: PayPal Credit Not working for anything

Customer service is horrible. I called because it kept telling me i had to upload proof of my identity, although I had already done it. It kept saying my photo was too big. When I spoke to someone else, they said there were no limitations on my account but "we understand you'd like to send or transfer, but security is our utmost priority, please try again in 48 hours." I'm also having the same paypal credit issue. My credit is perfectly fine. I've had an active account with American express since I was 18 (I'm 25 now). Almost every experince I've had with PayPal and customer service has been horrible. I came to read this forum and seen that over 700 people were having the same issue. So, this isn't a person problem. This is a PayPal problem. I'm also going to close my account. I'd rather just use cashapp or ANYTHING else. In the attempt to try to make "security an utmost priority" the customers are the one's that are suffering.
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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.
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.
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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
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Contributor

Re: PayPal Credit Not working for anything

I don't have any disputes or anything and they still do this.
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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.
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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.
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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. 🙂
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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.