Toll-free·Calls Customer Service·Most popular PayPal Credit number
Q:
How do I talk to a live human at PayPal Credit?
A:Press 1 for Customer or 2 for not a customer at the first menu. Then enter the last 4 digits of your Social Security #. Then enter your phone #.
Q:
Does PayPal Credit offer 24 hour customer service?
A:Yes! This call center operates 24 hours a day, 7 days a week.The least busy day is Sunday, and the most busy day is Thursday. Details
Q:
How long will I wait on hold?
A:The average hold time is 15 minutes.The longest hold times are on Thursday, and the shortest are on Tuesday.
How do I get through the phone menu to a live person?
GetHuman researchers routinely call this PayPal Credit phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Press 1 for Customer or 2 for not a customer at the first menu. Then enter the last 4 digits of your Social Security #. Then enter your phone #.
Here is how our research team describes the way the PayPal Credit phone system greets you: If you are calling for questions related to your PayPal credit account, press 1. If you're calling regarding your PayPal account and your inquiry is not related to PayPal credit, press 2.
Below are some clips we've found from PayPal Credit's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Thank you for calling PayPal Credit.
For questions related to your PayPal credit account, press one.
If you're calling regarding your PayPal account and your inquiry is not related to PayPal credit, press two.
First thing, let's bring up your account. Let's find your account."
Excerpt from a call with PayPal Credit
Monday, January 8, 2024 8:17 PM
They may need the phone number on your account
"This entire call will be recorded and monitored.
Hi. I'm Shantae with Synchrony, and this call will be recorded. May I have the account number that you're calling for today, please?
Yes. PayPal Credit. I can help with that. What's the phone number on your PayPal Credit account?"
Excerpt from a call with PayPal Credit
Saturday, January 20, 2024 12:20 AM
They may ask your reason for calling (instead of a menu)
"This entire call will be recorded and monitored.
Thank you for calling Synchrony Bank. My name is Alo from fraud department.
How can I help you? Thank you for calling Synchrony Bank."
Excerpt from a call with PayPal Credit
Thursday, April 4, 2024 3:07 PM
The first phone menu
"Thank you for calling PayPal Credit.
For questions related to your PayPal credit account, press one.
If you're calling regarding your PayPal account and your inquiry is not related to PayPal credit, press two."
Excerpt from a call with PayPal Credit
Tuesday, January 2, 2024 4:05 PM
What are the hours and when should I call?
PayPal Credit operates the call center for this 866-528-3733 phone number 24 hours, 7 days.The short answer is that you should call on a Monday.This observation and the following section are based on analysis of a sample set of 1,034 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this PayPal Credit phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like PayPal Credit staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call PayPal Credit is Sunday.The most busy day to call is Thursday, which averages 144% more phone calls by comparison.Again, this is based on a sample of 1,034 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Busiest
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Tuesday.The longest wait in the queue on average occurs on Thursday.
The best time to call PayPal Credit
In summation, the best day to call PayPal Credit is Monday.
Why Customers Call PayPal Credit
If you have time to do a bit of reading before you call PayPal Credit, we recommend you read over some of our problem-specific articles.
PayPal Credit is a digital credit line offered by PayPal, enabling users to make purchases online and pay later. It provides customers with a flexible and convenient financing option for their online shopping needs. With PayPal Credit, users can make purchases at millions of stores that accept PayPal. It allows customers to buy now and pay over time, giving them the flexibility to choose from various repayment options. Opening a PayPal Credit account is quick and easy, without any annual fees. Users can also enjoy promotional financing offers, such as no interest if paid in full within a specified period, depending on the purchase amount and terms. PayPal Credit simplifies the online shopping experience by providing customers with a digital credit solution that is secure, widely accepted, and offers convenient payment flexibility.
To apply for PayPal Credit, you must meet a few criteria. Firstly, you need to be at least 18 years old and have a valid PayPal account. Secondly, you should reside in the United States and have a U.S. billing address. Additionally, PayPal Credit requires a good credit history, so it's important to have a reasonably strong credit score. You should also have a stable source of income to ensure that you can make payments on time. When applying, you may need to provide your date of birth, income, and the last 4 digits of your Social Security number. Once you meet these requirements and submit your application through the PayPal website, you'll receive an instant decision on your credit eligibility.
Yes, PayPal Credit offers a grace period for payments. This means that you have a certain period of time after your due date to make your payment without incurring any late fees. The length of the grace period varies depending on your individual account and the terms of your agreement with PayPal Credit. It is important to review your account details and terms of service to understand the specific duration of your grace period. During this grace period, you will not be charged any late fees, but interest may still accrue on the outstanding balance. It is recommended to make your payments within the grace period to avoid any penalties or additional charges.
Click the link above to get answers to just about any PayPal Credit customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to PayPal Credit, and their purpose. Are any of these similar to the reason you are trying to call?
Trouble accessing PayPal Credit: "How do I get on there? It's not letting me access my PayPal Credit account."
- From a call lasting 11m 50s , May 2, 2024 9:30 PM
Checking recent charge: "I'm just checking on to see if a charge went through for Bed Bath and Beyond."
- From a call lasting 3m 1s , Apr 20, 2024 12:26 AM
Making payment: "I would like to make a payment."
- From a call lasting 1m 27s , Apr 18, 2024 4:50 AM
Trouble finding added PayPal credit: "When I just checked to add PayPal credit to my account, it said it's already been added, but I can't seem to find it."
- From a call lasting 20m 50s , Apr 12, 2024 10:39 PM
Refund request for PayPal Credit: "Somebody needs to refund my money, sixty dollars in my checking account because I paid half payment using PayPal credit."
- From a call lasting 17m 55s , Apr 12, 2024 6:27 PM
Seeking PayPal customer service: "I'm calling about my PayPal account and need customer service assistance."
- From a call lasting 1m 17s , Apr 10, 2024 9:15 AM
Inquiring about minimum payment: "What's my minimum payment on the PayPal Credit?"
- From a call lasting 9m 20s , Apr 9, 2024 10:08 PM
Account verification: "I'm calling in regards to my PayPal credit account."
- From a call lasting 3m 1s , Apr 9, 2024 10:03 PM
Making a payment: "I'm calling because I wanna make a payment on my bill."
- From a call lasting 9m 23s , Apr 8, 2024 10:53 PM
Unclear purpose: ""
- From a call lasting 1m 38s , Apr 7, 2024 6:04 PM
Conclusion and closing notes
This is PayPal Credit's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a PayPal Credit agent. This phone number is PayPal Credit's best phone number because 27,600 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 866-528-3733 include Account Access, Credit Increase, Cancel Account, Disabled Account, Dispute a Charge and other customer service issues. The PayPal Credit call center that you call into has employees from Covington, KY / Honduras and is open 24 hours, 7 days according to customers. In total, PayPal Credit has 1 phone number. It's not always clear what is the best way to talk to PayPal Credit representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for PayPal Credit. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like PayPal Credit. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.