I have tried to pay for something in instalments and got offered a 6 month or 12 month plan with 0%APR. Went to click to buy and the next page on PayPal told me that they couldn't offer me that deal. I don't understand why as I have an impeccable finance history (Credit score of 999 on Experian and 507 on clear score) I also have had no issues with PayPal and my account is up to date with regular activity so I'm a little shocked.
The message I received on screen was:
We're sorry, we can't offer you PayPal Credit at the moment.
Please select another funding source to complete your purchase.
I have had no communication as to why that decision was reached.
The only thing that I can think of is that it is under a business account type. I actually had forgotten this when I closed the business down and updated eBay (but forgot about PayPal). Could this be the reason?
I have no other PayPal account and my personal debit card is registered as the payment option on this account so I can't go off just setting up a new one (plus I'd like to keep my account history) so downgrading back to personal seems like the only option.
I'm wanting to purchase a Christmas gift so time is of the essence.
I tried calling PayPal directly but after stating what I wanted to the automated service I got put through to a department message telling me that the department is now closed and is only available today during the time I called. <- that was not a typo. The service told me it wasn't open now but stated a time that it was open which was now and should be open for another 5 hours???
Can anyone suggest how I get through any of these problems?
Many thanks
James
