738 PayPal Credit Reviews From Customers (2024)

Customer ServicePricePunctuality & SpeedStaff

I have had this card for about 8 years now and they recently lowered my limit to 1400. I paid a 1000 and then received notice they are lowering again to 490! The email said it was because my balance on other cards was "too high" and said I had "collections" on my account. For the record, I have zero collections on my account! This is the absolutely worse credit card company I have ever dealt with. I paid off my remaining balance and I will be closing this credit card. Synchrony Bank used to be GE Capital Retail Bank. Look them up and you will see they were fined millions for its credit card practices. This card is not worth the small credit limit and high interest rate.

Started with a 2400.00 credit line. I had 2 late payments but paid them with the late fees included. Last week paid off the entire balance, app showed I had a 2400.00 credit line again, then yesterday went back to check, they lowered my credit line to 100.00 and charged me 48.00 payment due. I paid the 48.00 and closed my account. I will NEVER use them again!!!

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Customer Service

If you have a problem with your PayPal credit card and call up they transfer you your PayPal account -- and when you get there they tell you to go back to your PayPal Credit Card. It’s a black hole. Don’t go near them.

Customer ServicePriceStaff

I've spent countless hours trying to resolve this issue, speaking with multiple agents who failed to provide a legitimate explanation or resolution. Each time, my calls were disconnected before any satisfactory outcome was reached. This has caused significant frustration and inconvenience. Although I've used this account often without prior issues, this experience has been incredibly disappointing. I hope PayPal Credit and Synchrony Bank address these problems promptly and work to improve their customer service and billing practices.

Punctuality & Speed

Bar none the worst most incompetent organization I have ever dealt with. I just closed my 9k credit line because I cannot give 5 cents to such an abortion of a lender. Avoid at all costs. 2 year customer. Made a payment of 6 grand. They would not reflect that in my buying power for SEVENTEEN DAYS after it was debited from my checking account. Useless at every level. Thank me later. You're welcome.

Customer ServicePricePunctuality & SpeedStaff

Claimed they can't get ahold of me through phone or email but everyone other agency can and have had same phone number for over 20 years. This is deplorable that they hurt my credit over something so insignificant and don't even notify that they have closed account or intend to. Wanted to fund vacation as usual with PayPal this month but have lost that ability. Not only this, but agents treated me like dirt on the phone- after 5 years of pristine payment history. I'll be using Cap One in the future. This is disgusting.

Buyer beware. PayPal refunded me money in December for damaged goods. 6 months later Paypal claimed I had been refunded twice which was not the case. Then they took back the money they refunded me in the first place. A week later they demanded I pay them this amount which they added to the Paypal account. The whole thing is murky. If you want to use their service and register your credit cards with them that is ok. Unfortunately the Paypal credit thingy makes up their own rules. It is also difficult to view transactions and credits in an attempt to see what you owe and what you don't owe. In short Paypal credit sucks.

I had a $80. Credit. PayPal credit allowed me to make a payment on another credit card and then deducted from my bank account. Now they claim they can’t electronically transfer my credit to my bank. The only way they claim they can give my money back is with a check. 10-15 days to process. Holding your credit balance hostage.

Sales & MarketingPrice

I have to agree with the review that states they charge you interest regardless of making the payments they suggest to avoid the interest charge. I just had this same issue when all of a sudden I was hit with an excessive amount to be paid for promotional purchases by the promotional deadline in order to avoid interest. It made no sense to me as I had made significant payment amounts in the past…oftentimes paying more than what they suggested to avoid interest. I thought these significant payments were going towards the promotional purchases…I was trying to avoid the interest. So, I called to find out how they allocated payments because it just wasn’t adding up. They could not really give me a clear explanation. They claimed they would send me a detailed breakdown of how payments are distributed. What I received in the mail was a standard letter regarding my account…no breakdown. They are real shady.

Sales & MarketingPrice

I would like to warn other people to stay clear of Paypal Credit. Yes, it can be beneficial to use them for promotional purchases only which means you have 6 months to pay it off without paying any interest, however, if you make a non-promotional purchase, good luck trying to get it paid off. Even if you pay the amount every month to avoid interest which includes your expiring promotional balance plus the non-promotional balance, they will apply your payment elsewhere instead of applying it to the non-promotional balance. What does this mean for you? It means you will be charged interest and even if you call every month to reallocate your payment, they will screw it up and never pay off the non-promotional balance which means more interest payments to them. DO NOT USE PAYPAL CREDIT!!! They are a total scam!!!