PayPal Credit Card is an open-end credit card owned by PayPal. The credit card is open-ended meaning it can be used at any online store where PayPal payments are allowed.
When you are approved for this card, your PayPal credit account will be given a credit line based on your credit score and worthiness. This article will give you what you need to know about this credit card. So, read on.
PayPal Credit Card
The PayPal credit card is issued by Synchrony Bank and manages the card’s account services. The PayPal card is a no-annual-fee card that you can use online everywhere a master card is accepted.
Cardholders also earn cashback daily for purchases they make with their card. This cashback can be redeemed to your PayPal balance and you can use it for any transaction you want.
PayPal Credit Card Review
The PayPal credit card comes with so many benefits. Application for the card is very easy and can be done online in a few minutes. Also, there is no annual fee attached to the card. If you get approved for the card, it will be linked automatically to your bank account. The credit card is also flexible as you can use it to make purchases wherever PayPal payments are allowed.
PayPal credit card also comes with Purchase protection. If you purchase an item that doesn’t match the description or arrives on time, you can get a refund plus the shipping costs. Cardholders also enjoy the fast checkout feature that lets them make payments in just a few clicks.
PayPal Credit Card Application
You can easily apply for a PayPal credit card online. To apply for this credit card, you need your date of birth, income after taxes, and Social Security Number.
You may also be asked for other details but these are the most important information you need to apply for the card online. An added advantage of applying for the card online is that you will get to know if you are approved within seconds.
How to Apply for PayPal Credit Card Online
To apply for the card online, follow the steps below:
- Open a web browser on your device connected to the internet.
- Enter the URL www.paypal.com into the search bar.
- Navigate to “Personal” at the top of the screen and click on “PayPal Credit and Cards” from the drop-down menu.
- Scroll down to “PayPal Credit” and click on “Apply Now”.
- Read through the card details on the page and click on “Apply Now”.
- Fill in your PayPal account “Email address” or “Mobile Number”.
- Continue to the next step by clicking on “Next”.
- You can click on “Sign Up” if you don’t have a PayPal account yet.
When you are logged in to your account, fill out the application form correctly to complete the process.
PayPal Credit Card Activation
If you’re approved for a PayPal card, you will be mailed the card within 7 to 10 business days. Also, your credit card account will be linked with your PayPal account automatically.
With this, you can use your credit card as a payment option when you checkout. However, you can’t use your new card until it has been activated. Don’t know how to activate your new card? Read on to learn how.
How to Activate PayPal Credit Card
To activate your credit card, follow the steps below:
- Go to paypal.com with your internet-connected device.
- Click on “Log In” at the top right corner of the page.
- Provide your “Email address” and “Password” to access your PayPal Account.
- On your account dashboard, click on “PayPal Credit”.
- Click on the “Card Activation” link.
Some prompts will display on your screen, follow them to successfully activate your new credit card. You can also download the PayPal App on your mobile device to manage your account and credit card.
PayPal Credit Card Sign Up
Signing up for an account is very important. With your account, you can easily manage your credit card account. You can view and redeem your rewards, link your PayPal account to enjoy all the credit card benefits, and lots more. To get a detailed guide on how to sign up for an account, keep on reading.
How to Sign Up for a PayPal Credit Card Account
Follow the steps below to create an account on the website:
- Visit the PayPal webpage with the URL www.paypal.com
- Click on “Sign Up” at the top right corner of the page.
- Choose the account type you want to create “Personal Account or Business Account”.
- Click on “Get Started”.
Having done this, follow the rest instructions on your screen to complete the account setup.
PayPal Credit Card Login
After creating a PayPal credit card account, you can log in at any time to manage your card. Your account also gives you access to updating your personal and income information. Don’t know how to access your account? Keep on reading to learn how.
How to Login to your PayPal Credit Card Account
To access your account, follow the steps below:
- Connect your device to the internet.
- Click on the URL www.paypal.com to visit the official web page.
- Choose “Login” at the top right corner of your display screen.
- Enter your “Email” or “Mobile number”.
- Click on the blue “Next” button.
Follow the rest prompts on your screen to enter your password and gain access to your account.
PayPal Credit Card Payment
If you want to pay your bills, you can log in to your account online. You can choose to make a one-time payment or set up automatic payments. Also, you can pay your bills from your PayPal account balance or a linked bank account. Alternatively, you can mail your payments or contact PayPal customer service.
PayPal Credit Card Fees
The PayPal Credit card is a no-annual-fee card. Penalty fees are also charged on the card for late and returned payments. The interest of cardholders also depends on the creditworthiness of the cardholder.
To get the full details on the fees charged for using the card, visit the credit card page at www.paypal.com/us/webapps/mpp/terms/paypal-credit
PayPal Credit Card for Business
The credit card for business is also called the PayPal Business Cashback Mastercard. This is a reward credit card that allows cardholders to earn 2% cash back for making purchases.
This credit card also comes with no annual fee. The card also offers fraud liability, 24/7 customer service, and lots more. You can only apply for this card with a PayPal business account.
PayPal Credit Card Pre Approval
PayPal does not offer a pre-approval check for applicants. You can apply for the card online to check if you will be approved for it.
Generally, you need to have an active PayPal account, be at least 18 years of age and be a U.S. citizen to get approved for the card. Other things you need to get approved for this card include a Social Security Number, Date of birth and income information.
PayPal Credit Card Customer Service
The PayPal customer service is open to customers that have issues with their PayPal cards and other service offered by the customer service. You can contact customer service to report a stolen or missing card, request a limit increase, pay your card bills, and lots more. You can get the PayPal customer service contact details on your card monthly statements.
How do I Get a PayPal Credit Card?
You can get a PayPal card by applying for it online. When you apply for a credit card online, you will know if you have been approved or not in a few minutes. When you get approved for the card, you will be asked to agree to the Terms and Conditions.
Where Can I Use My PayPal Credit Card?
The PayPal credit card can be used online anywhere where PayPal payments are accepted. You can also use this card for PayPal purchases. Also, no interest will be charged if you pay your bills in full for 6 months.
How do I Increase My PayPal Credit Limit?
To increase the credit limit on your card, call the customer service number on your monthly statement. Note that the approval of a transaction that is above your credit limit does not mean your limit has been increased. If your account profile and income information are up to date, you may qualify for a credit line increase.
Can I Get a PayPal Credit Card with Bad Credit?
Although PayPal does not state the minimum credit score needed for the credit card application, you can’t get a card with a bad credit card. to get approved for this card, you need a good credit score and history.
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