OK, DPCreations, I've seen you give this answer to several similar questions. Do you realize how crazy it sounds to be approved for a line of credit, and then having to wonder if it will be usable for a given transaction? They don't check your credit for each purchase. That is completely wrong. It says so in the PP Credit FAQ section, even. It is an APPROVED CREDIT LINE that should be able to be used - end of story. Security checks are great, as no one wants fraud. But when it gets denied at each point of sale online, and requires a phone call of 30+ minutes to resolve (or not be resolved at all), there is a serious problem. A quick search of google shows hundreds of results with complaints similar to this one.
For anyone evaluating whether to apply for PayPal Credit, don't bother. It is too much work to use it., and not worth the 2-point hit on your credit score for the inquiry. I should be able to use a financial service I am approved for. That's all it comes down to. I got PP Credit to help with move-related expenses such as hotel rooms, and the promotions were good. Now I have to wonder whether or not I'll be able to book a hotel room each time, because of their ridiculous computer system that flags just about everything, and is unable to be over-ridden by management.
And PS, you make it sound like PayPal credit is as hard to obtain as a Platinum American Express card. It's not. Look on Credit Boards. People with less than 700 scores have been approved. And only 10% of the US population has a credit score of 800+.
