Unable to use paypal credit
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If you have a new PayPal account OR you don't use your PayPal account frequently, that seems to be a main reason you won't be able to use PayPal Credit.
Even though people get approved for PayPal Credit, it's definitely a unique credit product for the fact that you are not always able to use it. I was approved almost a month ago for PayPal Credit with a $1200 credit limit and fortunately for me I have always been able to use it for everything. But I also use PayPal all the time.
I can see though how people can be frustrated with this, because I'm sure some people wouldn't have applied for it if they knew that wouldn't be able to use it a lot or not at all.

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