I have done my best to make the changes work in my favor and I still use it, but I have noticed I'm not inclined to use PAD as much as I used to since the policy change became effective. I have made adjustments to scheduling my purchases on Wednesdays now, 10 days before the upcoming payday Fridays. So, while PAD policy changes are disappointing I did not find them completely unmanageable. That wasn't until this past weekend when I finally felt the significant drawback of these updates. For the past couple of years, I have utilized PAD on Black Friday and Cyber Monday to prepare for the holiday season. However, due to these changes, I was not able to fully take advantage of all the deals. I would have liked to use PAD and pay those purchases off with cash on paydays 14 days later like I have done so in the past. Instead, I used my credit cards and will be paying those off directly upon the next payday. At face value one might be thinking, so what? No harm, no foul. The purchase and the deals were still being conducted. However, if you didn't notice that before the policy changes Paypal PAD was always involved in my transactions, but now I'm less likely to involve Paypal with my purchase if at all. I would say I've gone from using Paypal PAD 4 to 5 transaction every other week, down to just two occasions since the policy change and that's if I remember. I think this policy was updated to help and protect the sellers which I'm pretty sure every honest customer is for that. However, customers who have similar behaviors and purchasing patterns as myself will be less likely to interact and utilize Paypal than the way it was before. If there is someone combing through all these responses, I hope at the very least, the range of different reactions make the issue something to look into and possibly reevaluate the policy. See if there is any customer data that shows any decline in purchase activity and touchpoints with Paypal regarding PAD feature since the updates.
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