I my self want to know as well because I had this option for everything. I paid on time I was only late once and I reached out to PayPal and told them what was going on. I stopped being able to get it all of a sudden when a package got lost and order canceled then all of a sudden it stops working. I used this on everything so it has nothing to do with what your using it on. I contacted PayPal for months and got some message where they refused to tell me why I couldn't use it anymore. They gave me information I already knew, even a lawyer friend tried getting answers for me. They said it's due to my credit but it's gone up not down.
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