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Helder F

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Review of the PayPal, PayPal Credit:

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Endless Loop Trying to Close PayPal Credit

They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be told it would be closed within 7 to 10 days. Every single time I check back, it's still open. Because the account remains active, PayPal will occasionally default to PayPal Credit for a payment even though I don't want to use it. Then you're forced to clear the balance again before they'll even consider closing the account. To make matters worse, interest of just a few pounds, in my case around £1.74, gets added after you've paid it off. That means the balance is no longer zero, so you're told you have to pay it and wait another 7 to 10 days before they can "try" to close it again. It's an endless cycle. I've been promised on multiple occasions that my account had been closed, only to discover later that it was still active. The APR is also extremely high, so there's very little reason to keep the account open in the first place. If a customer asks to close a credit account, it should be closed promptly. Instead, PayPal seems to make the process as difficult as possible. I would never recommend PayPal Credit based on my experience. Reviewed on: 17th July 2026

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