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Hello @emmblai,
Thanks for posting your concern in PayPal's Community Forum.
We are sorry to hear that you are unable to complete the payment using PayPal credit. Requesting to refer the help centre article Why can't I pay with PayPal Credit? to know the possible reason of decline. You can also reach out to our customer support team to get an understanding of the possible solution to the issue raised. Please reach out to the Support Team during business hours by clicking the Contact option at the bottom of PayPal page. If your unable to login into your PayPal account do reach us via phone and kindly select "Call us as Guest".
Hope this helps you in resolving your issue!
Warm Regards,
Shradha
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