Paypal 信用(Paypal credit)账户与Paypal(Paypal credit)信用卡有很大不同。这是一种信用额度，即使您的Paypal 余额(Paypal balance)不足以支付购买费用，您也可以使用您的Paypal 帐户购买商品。(Paypal account)
那么，您为什么要注册一个Paypal 信用(Paypal credit)帐户？Paypal提供的此信用额度(credit line)的一些功能具有很多优势。最重要的是，它可以让您在一段时间内分摊付款，而无需任何罚款或利息。
让我们探讨一下 Paypal信用账户(credit account)提供什么，以及您何时以及为什么要使用它。
什么是 PayPal 信用账户？(What Is a PayPal Credit Account?)
将Paypal 信用(Paypal credit)帐户视为附加到您的常规Paypal 帐户(Paypal account)的信用额度。
当您申请 PayPal 信用(apply for PayPal credit)时，您的信用申请(credit application)将由Synchrony Bank处理。由于提供的最低信用额度(credit line)仅为 250 美元，因此很多人将有资格获得该信用额度(credit line)。
您需要提供您的出生日期、税后净收入和社会安全号码(security number)。大多数情况下， PayPal 信用账户的(PayPal credit)批准(Approval)是即时的。
在您决定申请PayPal 信用(PayPal credit)账户之前，有一些重要的事情需要了解。
- 您的信用报告将在最初的(credit report)信用批准(credit approval)中受到一次“重创” 。这可能会影响您的信用报告(credit report)。
- 您的初始信用额度(credit limit)为 250 美元。
- 按时支付您的帐户可能会导致信用额度(credit line increase)随着时间的推移而增加。
- 可变年利率(percentage rate)( APR ) 为 25.99%。
- 向某人汇款（使用预付现金(cash advance)）将收取 2.9% 的费用加上 0.30 美元。
- 不按时还清您的PayPal 信用(PayPal credit)账户不会影响您的信用评分(credit score)。
- 按时还清您的PayPal 信用(PayPal credit)帐户不会提高您的信用评分(credit score)。
一旦获得批准，信用额度将链接到您的PayPal 帐户(PayPal account)。每当您在任何接受PayPal(PayPal)的地方购买任何东西时，您都会看到新的PayPal 信用(PayPal credit)账户作为付款选项。
如何使用您的贝宝信用账户(How To Use Your Paypal Credit Account)
每当您从接受Paypal付款的商家（如 eBay）购买商品时，您都会看到PayPal 信用(PayPal credit)被列为付款选项(payment option)。
选择PayPal 信用(PayPal credit)选项会处理付款，就像您使用常规PayPal 帐户(PayPal account)付款一样。如果您想在所有购买中使用您的PayPal 信用额度(PayPal credit)，您需要在您的PayPal 账户中将其设置为您的首选(PayPal account)付款方式(payment option)。
有几件事要记住，以减少您最终为购买支付的费用和利息。
- 任何您购买超过 99 美元的东西，如果您在 6 个月内还清，您将不会支付任何利息。
- 至少支付最低每月付款以避免利息费用。
何时使用 PayPal 信用额度(When To Use PayPal Credit)
有几个原因这比获得PayPal 信用卡(PayPal credit)（或任何其他信用卡(credit card)）更好。
PayPal 信用额度(PayPal credit)就像您的PayPal 账户的(PayPal account)安全缓冲(safety buffer)。不幸的是，无论您是从您的银行账户转账(bank account)到PayPal，还是有人通过PayPal向您付款，款项都需要几天时间才能到账。
(Buying Things)在等待付款时买东西
您的帐户可能接近于零，但由于您有钱进来，您没有理由不能使用您的帐户使用您的PayPal 帐户(PayPal account)购买东西。
使用PayPal credit，即使您的帐户几乎为零，您仍然可以购买东西而不必担心。一旦您的帐户收到付款，您就可以还清您使用的信用额度。
使用 PayPal Credit(Use PayPal Credit)作为替代信用卡(Alternative Credit Card)
拥有一张高限额信用卡(limit credit card)的心理往往会导致人们超支。在他们知道之前，他们已经用完了 10,000 美元的信用卡限额(credit card limit)中的 5,000 美元或 6,000 美元。
这不是大多数人可以在一个月内还清的金额，因此他们被迫逐月滚动大部分余额并支付高额利息费用。
Paypal 信用(Paypal credit)可让您将信用用于小额购买，但不能太多，以至于您每个月都付不起。支付全部余额意味着您将避免支付 25.99 % interest的利率，这些利率伴随着低于 99 美元的小额购买。
这并不意味着您不能滚动余额并避免利息费用，但前提是您购买的商品超过 99 美元。您还需要确保在 6个月限制(month limit)之前还清这些费用。
支付基本必需品
面对现实吧，有时候生活的需要偶尔会超过你的月收入。它不会每个月都发生，但有时像假期一样会发生。
考虑到目前全国有30 多家杂货连锁店(30 grocery chains across the country)接受 PayPal 付款，因此可以使用PayPal购买杂货或汽油。(PayPal)
甚至像GrumMarket(GrumMarket accepts PayPal)这样的在线杂货店也接受 PayPal 。
只要您谨慎地使用您的PayPal 信用(PayPal credit)帐户来处理此类事情，并确保在下个月还清余额，这是度过那些困难时期的一种可接受的方式。
使用移动应用程序的便利
当您使用适用于iOS 或 Android的(iOS or Android)PayPal移动应用程序时，您可以密切监控您使用的PayPal 信用额度。(PayPal credit)
除此之外，您还可以快速付款，这样您就可以准时使用信用卡付款(credit payment)，永远不会迟到。但即使您是，请记住，错过一两次您的 PayPal信用卡付款(credit payment)不会像错过信用卡付款一样损害您的(credit card payment)信用评级(credit rating)。
您不应该使用 Paypal 信用帐户的原因(Reasons You Shouldn’t Use a Paypal Credit Account)
Paypal 信用(Paypal credit)账户的便利性既是福也是祸。出于上述所有原因，它使您可以在需要时获得资金。
然而，它并不适合所有人。如果以下任何一项描述了您，您可能不应该申请PayPal 信用(PayPal credit)账户。
- 你很难按时还清余额。
- 你倾向于强迫性地购买你不需要的东西。
- 你靠薪水过活。
- 您已经拥有多张已用完的信用卡。
如果您已经有不良信用习惯，您未支付的余额 的 25.99 % interest
将余额转入超过 6个月的限制(month limit)意味着您的PayPal 信用卡(PayPal credit)账户可能会变得和您的每一张已用完的信用卡一样。您会发现自己支付的大部分利息都是难以偿还的余额。
Is a PayPal Credit Account Right For You?
A Рaypal credit account is very different thаn a Paypal crеdіt cаrd. It’s а line оf credit that will let you buy thіngs with your Payрal account even if your Paypal balance doesn’t have enough to cover the purchase.
So, why would you want to sign up for a Paypal credit account? There are a few features of this credit line offered by Paypal that has a lot of advantages. Most importantly, it lets you spread out payments over a period of time, without any penalties or interest.
Let’s explore what a Paypal credit account offers, as well as when and why you may want to use it.
What Is a PayPal Credit Account?
Think of a Paypal credit account as a line of credit that gets tacked onto your regular Paypal account.
When you apply for PayPal credit, your credit application gets processed by Synchrony Bank. Since the lowest credit line offered is only $250, a lot of people will qualify for the credit line.
You’ll need to provide your date of birth, net income after taxes, and your social security number. Approval for a PayPal credit account is instant most of the time.
There are a few important things to know before you decide to apply for a PayPal credit account.
- Your credit report will receive a “hard” hit once for the initial credit approval. This could affect your credit report.
- Your initial credit limit will be $250.
- Paying your account on time will likely result in a credit line increase over time.
- The variable annual percentage rate (APR) is 25.99%.
- Sending money to someone (using a cash advance) will cost a fee of 2.9% plus $0.30.
- Not paying off your PayPal credit account on time will not affect your credit score.
- Paying off your PayPal credit account on time will not improve your credit score.
Once approved, the line of credit will get linked to your PayPal account. Whenever you purchase anything anywhere that accepts PayPal, you’ll see your new PayPal credit account as an option for payment.
How To Use Your Paypal Credit Account
Whenever you buy from a merchant that accepts Paypal payments, like eBay, you’ll see PayPal credit listed as a payment option.
Choosing the PayPal credit option processes the payment will process just like you were paying using your regular PayPal account. If you want to use your PayPal credit for all of your purchases, you’ll need to set it up as your preferred payment option in your PayPal account.
There are a couple of things to keep in mind to reduce the amount of fees and interest you end up paying for your purchases.
- Anything you buy over $99, you won’t pay any interest if you pay it off within 6 months.
- Pay at least the minimum monthly payments to avoid interest charges.
When To Use PayPal Credit
There are a few reasons this is better than getting a PayPal credit card (or any other credit card).
PayPal credit works like a safety buffer for your PayPal account. Unfortunately whether you transfer money from your bank account to PayPal, or someone has paid you via PayPal, it takes a few days for the money to come in.
Buying Things While Waiting For a Payment
Your account may be near zero, but since you have money coming in, there’s no reason you shouldn’t be able to use your account to buy something using your PayPal account.
With PayPal credit, even if your account is nearly zero, you can still buy things and not have to worry. Once you receive the payment into your account, you can pay off the credit you used.
Use PayPal Credit As An Alternative Credit Card
The psychology of owning a high limit credit card often leads people to overspend. Before they know it, they’ve used up $5,000 or $6,000 of a $10,000 credit card limit.
That’s not the kind of amount that most people can pay off in a month, so they’re forced to roll over most of the balance from month to month and pay significant interest charges.
Paypal credit lets you use credit for small purchases, but not so much that you can’t afford to pay it off each month. Paying the entire balance off means you’ll avoid paying the 25.99% interest rates that come along with smaller purchases under $99.
This doesn’t mean that you can’t roll over a balance and avoid interest charges, but only if you make purchases larger than $99. You’ll also need to make sure you pay off those charges before the 6 month limit.
Paying For Basic Necessities
Let’s face it, sometimes the needs of life occasionally exceed your monthly income. It doesn’t happen every month, but at times like the holidays it can happen.
Using PayPal to buy groceries or gas is possible, considering that there are currently over 30 grocery chains across the country that accept PayPal payments.
Even online grocery stores like GrumMarket accepts PayPal.
So long as you use your PayPal credit account for things like this sparingly, and make sure to pay off the balance the very next month, this is an acceptable way to survive those difficult times.
Use The Convenience Of a Mobile App
When you use the PayPal mobile app for iOS or Android, you can closely monitor how much PayPal credit you’re using.
In addition to this, you can quickly make payments so you can stay on time and never be late with a credit payment. But even if you are, remember that missing a payment or two of your PayPal credit payments won’t hurt your credit rating like missing a credit card payment would.
Reasons You Shouldn’t Use a Paypal Credit Account
The convenience of a Paypal credit account is both a blessing and a curse. For all of the reasons stated above, it gives you access to money when you need it.
However, it’s not for everyone. If any of the items below describe you, you probably shouldn’t apply for a PayPal credit account.
- You struggle to pay off balances on time.
- You tend to compulsively buy things you don’t need.
- You’re living paycheck to paycheck.
- You already have multiple, maxed out credit cards.
If you already have bad credit habits, the 25.99% interest on the balance you don’t pay could get you into trouble quickly.
Rolling over balances beyond the 6 month limit means your PayPal credit account could become just like every one of your maxed out credit cards. You’ll find yourself paying mostly interest on a balance that can become very difficult to pay off.
