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Review of the PayPal, PayPal Credit:

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The One Credit Account I Won't Close!

I have had PayPal for years for when I would sell my clothes on eBay and loved the protection that they put it for potential issues on a marketplace site. Then I got PayPal Credit (about 5 years ago) and have been so thankful for the different purchase options which help me manage finances. Most recently, I my phone was pick pocketed whilst I was waiting on a train platform in London and was on a plane to North Africa the next day, thanks to PayPal Credit, I was able to pay for a new phone in full without the delay of saving for the unexpected expense or entering into a high interest credit agreement. I got it on 4 months 0% option and have finished the payments a month early. Another positive experience is when a stranger kept trying to do password resets on my account and send payment requests to me. I spoke with PayPal customer service and they guided me through step by step what I needed to do and resolve it. Finally another great experience is with refunds, I purchased from a UK seller, sent the returns back within the return window and they did not refund me or respond to my emails for almost 10 weeks. I spoke with PayPal customer service who opened the dispute for me when I was struggling and got my money back. I have already recommended them several times over, the only reason I give a 9 out of 10 is because payments take a while to debit and credit PayPal Credit when trying to make a statement payment. This is a user experience that could be improved Reviewed on: 13th May 2024

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