So I work 4 days a week in a retail industry on min wage and I've never used these services before, so I'm a bit unsure. I was wondering if I got approved for PayPal credit, would I get penalised by charges or bad credit score if I never use the PP credit after getting approved or stop using it after buying one item, repaying the amount owed, but decide to never use it again. £1500 is the amount I'm to be offered
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