Hi christopherbalf,
Thank you for your post and welcome to our Community Help Forum!
PayPal credit is like a credit card, without the plastic. It’s a credit limit that’s attached to your PayPal account which you can use for your online purchases.
If you need further clarification, please contact us. If you would like to call in, you can find the correct phone number for your country by clicking 'Help & Contact' at the bottom of the PayPal homepage. You may reach out to us on Facebook or Twitter as well.
I hope this helps.
Cristina
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