Hello @Temp20231012,
Welcome to PayPal Community Forum and thank you for posting!
I understand your concern about Virtual PayPal Credit. Please be informed that 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. PayPal Credit will be available as a funding source within your PayPal wallet and can be used for purchases in most places where PayPal is accepted. You can make purchases in the same way as you would with a normal credit card, by choosing PayPal Credit as your funding source at checkout.
PayPal Credit will provide you with a monthly statement showing your transactions and detailing the minimum repayment amount. Repayments can be made by monthly direct debit, directly from your PayPal account or by speaking to our customer service agents. Please reach out to the number found at the bottom of this FAQ.
Regards,
Ayesha
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