credit is not eligible unless vault=true

[jetdog]

When working with the PayPal SDK v5, I'm getting this error "Uncaught Error: credit is not eligible" unless the sdk is loaded with vault=true.

• Why is vault=true required to display the credit button?
• Does it change any functionality if I load it with vault=true but don't want to vault the payment?

paypal.Buttons({
	style: {
		color: 'darkblue',
		shape: 'rect',
		size: 'medium'
	},
	fundingSource: paypal.FUNDING.CREDIT,
	....