I pretty much only use paypal for the pay-in-4 feature, usually to buy airsoft stuff or trinkets on Etsy. Long story short I had to cover a family member's car payment and that resulted in me not being able to pay $23 for my final pay-in-4 plan at that time until a week later when my next pay check came in, that was a few weeks ago and today I tried to use pay-in-4 again and was declined and now the option doesn't even appear at checkout anymore.
So am I like blacklisted from using it for being a week late on a $23 payment? And will I ever be able to use it again?
PayPal is running a special with 20% back when using their Pay in 4 option. So for example, I buy something for $600, am I billed $150 or they deduct $150 from my bank account associated with them every two weeks? Or do they put the $150 on my PayPal Credit card on a every two week schedule and I pay it on my own? Getting $120 back seems like a good deal so I want to make sure I am using this option correctly without paying interests. Thanks!