My hypothesis is: 1. It's temporarily unavailable if you hit your spending limit. On the advertisement, it says up to 10k but not everyone has the ability to spend that much. If you haven't opened any cases this could be what happened 2. Opening a case may suspend your PAD service 3. A problem with your account: negative balance, bad reputation score etc I've also noticed that certain amounts don't go through-- a charge of $500 may not get a PAD offer but you might get 20 pad offers for $25 sales. For me , if I had no pending PADS I would get a PAD offer for a $500 sale but as I spent throughout the month I would stop getting offers for $65 and over and could only get offers for low amounts until some pending payments cleared.
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