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Review of the PayPal, PayPal Credit:

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Good & bad points

The introduction of the Paypal Credit Card is good, as it means you can benefit from the 4 months 0% interest in store as well as online. The introduction of the loyalty points is good too, although I think it makes it more likely that people will then use their Paypal card(s) - However, it takes a couple of days to show in your bank transactions, so it can lead to overspending and a false sense of financial security as people may think they have more money than they do. Payments should at least show as pending transactions so the money is accounted for. Paypal disputes are not good - It takes ages for anything to happen, and they tend to side with the seller or put all the onus on the buyer, and not read through the evidence they have already been given. Reviewed on: 7th July 2026

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