Paypal pay in 4

[michellebartley]

Have used the Paypal pay in 4 twice, tried to use it today but was it was rejected, this is ridiculous I rang Paypal and they couldn't help and gave me no explanation. 

[sandypebbles · Accepted solution]

Was the item you tired to buy today over $30?

Or any of the t&c an issue?

https://www.paypal.com/au/webapps/mpp/paypal-payin4/terms

Maybe try emailing if there was no help on the phone?

At least you will have proof/something in writing then if you need it

Maybe it was simply a loose Gremlin ?

[papermoon.lady]

You could also try their message board. Maybe someone who had a similar experience can help you.

https://www.paypal-community.com/t5/PayPal-Community/ct-p/en

[jellybirddesigns]

Could there be a limit? Having you been making the required repayments from previous purchases on time?

Do you always pay your general debts in a timely manner, including utilities, rent etc?

Paypal does do a credit check, so their decision to lend to you, as well as how much they might lend may be based on that criteria. They possibly want to see a solid history of repayment before raising any limits.

From Paypal T&C's:

1. PayPal reserves the right to grant or refuse the Pay in 4 Plan at its sole discretion and for any reason, including on the basis of our assessment of your credit worthiness.

On a side note, because Paypal does a credit check, this gets noted in your credit report and may impact your credit score down the line when you need to get a mortgage or purchase a big ticket item. 

[papermoon.lady]

That would be the most logical reason, but Michelle said that PayPal had no idea... although it is not surprising that sometimes those who work for a company have no idea and cannot help, so maybe Michelle can look at her two past transactions in detail (based on the T&Cs) and see if there was any delay or anything that might have caused this new transaction to fail.

[jellybirddesigns]

Yup, she might have just gotten an employee that is a bit clueless, but she should also look into her own credit report. 

Michelle - you can get a free copy of your credit report once a year from most of the major credit reporting agencies. See if there are any flags on there that might be limiting for you. Have a look at Experian, Equifax or Illion.

Alternatively, it could just be an Ebay glitch. Plenty of them going around at the moment. Try another browser.

[michellebartley]

I give up, I just did a live chat with Paypal and got no explanation at all. when I rang Paypal he said you'll have to wait weeks before you can use it again, I'm furious and about to explode. I dont need this trouble so close to Xmas, Happy Xmas everybody.

[michellebartley]

True

[michellebartley]

It was around $140.00.

[padi*0409]

Why not use a credit card for the purchase ?