So, if PayPal does a secondary review after I click Pay Now, and they find the PPC too risky, then pull funds from a secondary payment source like a bank account, why would I or anyone else use PayPal credit? The majority of people use PayPal credit to make purchases and pay over time. If I have sufficient funds in a bank account for the purchase, I will use that form payment instead of using PayPal credit. It doesn't make a lot of sense to me. Why use a "credit" option when you have sufficient funds in a bank account to make the purchase? I'm going to be hesitant to make purchases using PayPal credit because of this. I may stop using PayPal credit all together. With PayPal doing this, I don't know if I want to take a chance of them pulling funds from my bank account instead of using PayPal credit, and end up with insufficient funds in my bank account to cover other purchases or bill payments. It seems like PayPal would review during the time of purchase - when you click "Pay Now", and either accept or decline the purchase. Then giving the customer the option to pay with a different form of payment or declining the purchase, rather than pulling funds from a different payment source. With this being the case, I'm probably going to quit using PayPal credit. I don't want the possibility of any surprises if I use it.
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