Hey! So I use the PayPal pay in 4 feature frequently to buy things. I had three automatic payments decline today because I forgot they were going through today (they were not correctly listed by date; they were under payments that are due later on?) and the credit card they were charged to is maxed out. I don’t have enough money in my checking account to cover it until I get paid on Friday and my other credit card doesn’t allow pay in 4 options. Will the late payments (even if it’s only by a few days) severely hurt my credit score. I know PayPal says that it can hurt your credit score if you don’t pay it back but I was wondering if there’s any sort of grace period before they report it. Obviously it was a horrible idea to use pay in 4 and I’m going to work on using it less frequently but do you think that if I call PayPal and explain they will be nicer and give me the three days or will I just have to cut my losses and expect damage to be done to my credit score? (This has never happened to me before so it’s not a repetitive thing that I’ve experienced with PayPal and I should otherwise be on pretty good terms with them).

Tried to pay for a $32 item using Paypal’s pay in 4 option. Didn’t realise they were going to do a hard inquiry. Got rejected and then checked my credit score and it dropped from 733 to 619. This is absolutely ridiculous. Is there anything I can do? Never missed a payment in my life and its taken ages to build my score up, only for a $32 item to knock it back to where I started.