Pay Pal web site communication sent November 24, 2015:
“I made an E-Bay purchase. I thought my credit card on file was good but evidently it was not. Home Depot was hacked and I was issued a new credit card. I must have failed to update my E-Bay account, not sure. I get a bill by mail telling me I owe $17. Evidently my charges were made into a loan. I never use loans. I pay everything by credit card and am against starting any loan. I checked my past e-mail and found no notice of this. The original purchase was for $20 but I got a $10 credit for some reason. In just a couple of months the bill rose up by $7. I consider that a criminal interest rate. I am sent an opportunity to respond to a survey but when I tried to use it it had timed out. I recently sent a check for $20 to cover any other alleged criminal level interest rates.”
Quite some time later I got a check in the mail for $3 from Pay Pal Credit.
PayPal Credit is not recommended.