PayPal credit

Kcacja09
Contributor
Contributor

I got a credit line few days ago. I have yet to get to use it.everything is denied I called PayPal they say they see the denied claims but do not know why. Anyone else have a his issue

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11 REPLIES 11

DPCreations
Frequent Advisor
Frequent Advisor

There are a lot of security parameters in play for PayPal Credit.  Just because you have a credit line doesn't mean you will always be able to use it and not for all merchants.  Best to attempt a small $100 purchase and estably a good record of payments.

 

The best way to get PayPal Credit is to NOT apply for it but wait until it is offered at time of purchase. 

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Kcacja09
Contributor
Contributor
It was offered at time of check out and didn't work
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DPCreations
Frequent Advisor
Frequent Advisor

My point is that you should not apply for PayPal Credit before making a purchse.  You apparently obtained a PayPal Credit line BEFORE attempting to make the pruchase.  Is that correct?

 

It seems that it's more reliable if you DO NOT apply for PayPal Credit in advance.

 

 

If your finiancial situation and credit history merit the credit, PayPal Credit will be offered as an option just "out of the blue".  That generally will work.

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Kcacja09
Contributor
Contributor
Yeah. It's just crazy how it doesn't work. I've never seen anything like that. I have bought lots of things on ebay through PayPal. But that credit thing blows my mind how it's offered you are approved and can't use it.
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DPCreations
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@Kcacja09

No one knows why.  It's just the way PayPal review it's business risk for each purchase.

All you can do is maintain your own personal finances with a credit score near 800, no negative financial issues, high availabe credit on credit cards, good bank account, and good revenue.  With high scores on all those issues, I think your PayPal Creidt issues will disappear.

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Kcacja09
Contributor
Contributor
OK so why cannot access my cc or bank account to pay now it just automatically denies without letting me choose a card?
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DPCreations
Frequent Advisor
Frequent Advisor

Why aren't you paying with funds from your PayPal account?  If you pay from your funds and their aren't enough it should then take funds from your linked backup funding.

 

If you want to pay with a credit card, then log out of PayPal and make your purchase with a bank credit card not linked to your PayPal acocunt.

 

If that doens't work then you'll need to explain the real details about what your are attemting to do.

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Kcacja09
Contributor
Contributor
OK when I click on the login when I try to purchase something and I click on login to pay and I log in it will not let choose what I would like to pay with like out of my PayPal wallet. It just automatically tells me to choose a different way to pay but it will not let me
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DPCreations
Frequent Advisor
Frequent Advisor

Then there may be a problem with the merchant where you are attempting to purchase or some other international issue.  No way of knowing since you haven't disclosed any other details.

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