Paypal Credit

that utilizes them to service its consumer accounts. They will destroy credit standing for no other reason than they felt like it. I have never been late nor had anything outstanding with them or anything that went unpaid and have had my credit decimated due to them decreasing my credit lines with the 4 or 5 store cards their bank (Synchrony) manages on behalf of those stores. If you are considering starting a financial relationship with any store that allows Synchrony to harm their clients refuse to use and utilize that stores goods and services. As individuals we are weak as a collective we are strong and could twist the arms of several entities to no longer do business with Synchrony. There is a saying the enemy of my enemy is my friend. Well the same can be true of the friend of my enemy is my enemy. If as a collective we let the institutions that serve us know we can not in good conscious spend our money with stores or service providers that would allow harm to their clientele by allowing Synchrony to devastate their patrons financially.

I did not understand the process to get ramped up with this service after downloading the app. I decided to call a live person, and that took me two days to get one. I eventually got it, download it and established an account. It was quite cumbersome, and when I wanted to reverse fees that were charged to me by both PayPal and the vendor, they refused, and said I had to get the money from the vendor. Was not a good experience.

Bad bad bad considering the customer service department had a problem with a merchant charge and was given the runaround. They did not care that I was scammed. I will not use this service again. Do yourself a favor and use a reputable credit card company.

I noticed if I pay double or triple the minimum payment,they suddenly lower my credit line multiple times.they are unethical company,their customers service sucks they put you on hold for an hour their automated service is such a joke 😞