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PayPal
paypal.com › us › cshelp › article › how-do-i-make-payments-on-my-paypal-credit-card-or-paypal-credit-digital-line-help474
How to Make Payments on PayPal Credit Account | PayPal US
Make PayPal Credit payments online, by phone (844-373-4961), by mail with the slip, or on the app by selecting PayPal Credit and choosing your payment amount.
Discussions

Paypal Credit/Synchrony Customer Service has no clue what I'm talking about. Is this NORMAL for PP Customer Service? First time.
Yes. PayPal customer service has no training about PayPal Credit and you can't call Symphony Bank. I had the same issue with the $30 since I always pay more every month. I got the same answer. All I can tell you is that if you only use PayPal Credit for the big purchases that give you six months, and you pay a good amount each month clearing some charges, then you'll never have to worry about the $30. It's completely irrelevant. Another FYI: say you forget and use PayPal Credit for a charge that is under the amount that gives you six months to pay. And you want to pay it off first so you don't have to pay interest: you have to call PayPal and ask them to apply the payment where you want it. Then you have to check it after a few days and call PayPal back because they didn't do it. Then check it again. And THEN the next month your payment will be applied to that vendor, not by date. So you have to call them again. I really think they have an antiquated system and they never should have taken on PayPal Credit. It comes in handy though. Another FYI: in January they are increasing the minimum amount that results in six months no interest. You should have received an email. It's enough that it makes a difference to me. I don't want to purchase anything that costs that much. More on reddit.com
🌐 r/paypal
5
2
November 11, 2024
Synchrony Bank and PayPal Phishing
Are you asking a question? More on reddit.com
🌐 r/phishing
10
7
January 14, 2025
Need address to send Paypal credit/Synchrony Bank a ...
I have had a problem with paypal credit since March 2021 where they opened a dispute on my behalf, against my clearly stated wishes, when I called to in... More on forum.audiogon.com
🌐 forum.audiogon.com
September 18, 2022
Letter from Synchrony Bank/PayPal Credit Account Out of the Blue
Synchrony is legit. I have one of their cards. Have her pull her credit reports (annualcreditreport.com) and check if there's anything out of the ordinary. Note: make sure you go to THAT website and none of the "free credit report" sites that advertise free credit reports but make you pay for them. More on reddit.com
🌐 r/personalfinance
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April 18, 2020
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PayPal
paypal.com › us › cshelp › article › how-do-i-make-payments-on-my-paypal-extras-mastercard-paypal-cashback-mastercard-or-ebay-extras-mastercard-account -help618
How do I make payments on my PayPal Extras Mastercard, PayPal Cashback Mastercard, or eBay Extras Mastercard account? | PayPal US
To make payments by phone, call the toll-free number on the back of your card or the phone number listed below. To make payments by mail, use the payment address provided on your billing statement and include either your payment voucher or your account number on your payment. You can contact Synchrony Bank customer service at: ... The PayPal Cashback Mastercard, PayPal Extras Mastercard, PayPal Credit digital line, PayPal Credit Card, eBay Extras Mastercard and Smart Connect are issued by Synchrony Bank.
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Synchrony
synchrony.com › help › contact-us
Synchrony Customer Service: Contact Us
Visit Synchrony Bank for more information. ... Current partners, access your Synchrony Business or CareCredit Provider account below. Prospective partners, get contact information to speak with a Synchrony representative. ... Visit Synchrony Business for more information. ... Visit CareCredit/Practices for more information. ... Access your corporate credit card or business line of credit account(s) below.
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PayPal
paypal.com › us › cshelp › article › how-do-i-activate-my-paypal-cashback-mastercard-help1164
How do I activate my PayPal Cashback Mastercard? | PayPal US
To activate your PayPal Cashback Mastercard, please call the number in the welcome mail. If you no longer have that number, you can get in touch with Synchrony at 855-938-3684. The PayPal Cashback Mastercard is issued by Synchrony Bank.
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Reddit
reddit.com › r/paypal › paypal credit/synchrony customer service has no clue what i'm talking about. is this normal for pp customer service? first time.
r/paypal on Reddit: Paypal Credit/Synchrony Customer Service has no clue what I'm talking about. Is this NORMAL for PP Customer Service? First time.
November 11, 2024 -

This is just a bit of a vent-- but seriously, wtf?

I've used PayPal for a long time and have had no issues, really.

Never gad to contact Customer Service until today, and wow.

Used PayPal Credit twice now for the whole promotional offer interest free if paid in 6 months. I have no issue with paying off the balance in 6 months. The first time I used it, I paid it off very quickly.

Webt to make a payment on my current purchase and noticed an "Amount to Avoid Standard Interest and Deffered Interest - $30" there, which did not go away as the minimum payment did.

Checked my older statements and apparently had the same thing, though I was never charged interest as I paid in full in 6 months, so I figured no problem.

Called customer support anyway to see what that is trying yo tell me, and the customer service person could literally not explain it at all to me. I could tell they had zero clue what i was talking about, worded my question every way i possibly could.

Which is odd since that's one of the main things I'm seeing on my PP credit account.

Told me to ignore it, and I've made my minimum, etc, etc.

Had them put it in the notes that THEY told me the "$30.00 Amount to avoid standard Interest and deferred interest" can't be explained, they dont know why I'm seeing this nor what it means, and that I'm all good if paid in full before end date of promotion.

Which, according to my statements, should be correct.

But just... seriously, if you can't explain to me how that number is arrived at, why I am seeing it, etc... just WAT.

I literally asked verbatim "So you have no idea why it's saying Amount to Avoid Standard Interest and Deferred Interest - $30.00, you can't explain to me at all why it is telling me this?"

"No, sorry sir, but as long as you pay by X amount by Y date, etc, you are good,"

I hope to God I never have to deal with that type of customer service in situations where I could actually get majorly screwed over.

After experiencing the customer service, I'm way more creeped out about using PP Credit.

Has anyone else had similar experiences? Did I just get a terrible person, and they are usually fine?

P.S. Do any of you know why it's showing me the $30 thing? Because PayPal Credit Customer Service apparently has no clue. Lol

Top answer
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Yes. PayPal customer service has no training about PayPal Credit and you can't call Symphony Bank. I had the same issue with the $30 since I always pay more every month. I got the same answer. All I can tell you is that if you only use PayPal Credit for the big purchases that give you six months, and you pay a good amount each month clearing some charges, then you'll never have to worry about the $30. It's completely irrelevant. Another FYI: say you forget and use PayPal Credit for a charge that is under the amount that gives you six months to pay. And you want to pay it off first so you don't have to pay interest: you have to call PayPal and ask them to apply the payment where you want it. Then you have to check it after a few days and call PayPal back because they didn't do it. Then check it again. And THEN the next month your payment will be applied to that vendor, not by date. So you have to call them again. I really think they have an antiquated system and they never should have taken on PayPal Credit. It comes in handy though. Another FYI: in January they are increasing the minimum amount that results in six months no interest. You should have received an email. It's enough that it makes a difference to me. I don't want to purchase anything that costs that much.
2 of 4
1
Abbreviations used in r/PayPal : NAD - Not as described. SNAD - Significantly not as described. INR - Item Not Received. UAT - Unauthorized transaction. OP - Original poster of the message. F&F - Friends and Family (no protection at all.) G&S - Goods and/or Services (has seller/buyer protection.) Posts about PayPal's policies will be removed. No more complaining about PayPal policy and their taking funds from your account for violations of rules. If you don't like the rules don't use PayPal. If you don't want to lose money, don't leave funds in your PayPal account. Simple as that. But these posts are often political or misleading. So no more posts on this subject! Thank you for submitting to r/PayPal , please make sure you have read the FAQ . If your account was created when you were younger than 18, then that is covered in the FAQ! Try contacting PayPal support using social media such as Facebook or Twitter as this works more often than telephoning. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
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Reddit
reddit.com › r/phishing › synchrony bank and paypal phishing
r/phishing on Reddit: Synchrony Bank and PayPal Phishing
January 14, 2025 -

Voicemail 8554981490 unknown January 13, 2025 at 8:34 PM • 0:00 -0:31 曲 Transcription "This is a message from synchrony Bank please return our call to 1-866-419-2780 our mailing address is 170 West Election Rd. Suite 125 Draper, UT 84020 again please call 1866-419-2780 this is a recording thank you..." Was this transcription useful or not useful?

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PayPal
paypal.com › us › cshelp › article › can-i-get-a-cash-advance-with-paypal-credit-card-paypal-extras-mastercard-ebay-extras-mastercard-smart-connect-or-paypal-cashback-mastercard-help622
Can I get a cash advance with PayPal Credit Card, PayPal Extras Mastercard, eBay Extras Mastercard, Smart Connect or PayPal Cashback Mastercard? | PayPal US
To request your PIN, simply call the phone number listed on the back of your card or call the phone number listed below. Please note that you cannot receive a cash advance for Smart Connect or the PayPal Credit digital line. You can contact Synchrony Bank customer service at:
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Synchronybankterms
synchronybankterms.com
Synchrony Bank Credit Card Agreements
Access to exclusive events, rewards and more with Synchrony Bank Credit Cards from your favorite regional and national retail stores.
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PayPal
paypal.com › us › cshelp › article › who-issues-the-ebay-extras-mastercard-paypal-cashback-mastercard-paypal-smart-connect-paypal-credit-card-and-paypal-credit-digital-line-help621
Who issues the eBay Extras Mastercard, PayPal Cashback Mastercard, PayPal Smart Connect, PayPal Credit Card and PayPal Credit digital line? | PayPal US
These products are all issued by Synchrony Bank. You can contact Synchrony Bank customer service at: ... The PayPal Cashback Mastercard, PayPal Extras Mastercard, PayPal Credit digital line, PayPal Credit Card, eBay Extras Mastercard and Smart Connect are issued by Synchrony Bank.
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WalletHub
wallethub.com › popular credit card questions
How to Make a PayPal Credit Card Payment
November 12, 2025 - The easiest way you can pay your PayPal Extras Mastercard is either online or over the phone at (844) 373-4961. Alternatively, you can pay your credit card bill through the PayPal app for iOS and Android, or via mail
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Audiogon
forum.audiogon.com › posts › 2455205
Need address to send Paypal credit/Synchrony Bank a ...
September 18, 2022 - I am, therefore, forced to make this a legal matter as my credit has dropped well over 100 points due to paypal credits erroneous reporting. I'll try small claims on my own unless some consumer protection minded lawyer would like to take this on as a contingency fee agreement. Any advice would be appreciated. Thanks to all. ... Soliciting opinions on the necessity ... ... You must have a verified phone number and physical address in order to post in the Audiogon Forums.
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Yahoo! Finance
finance.yahoo.com › news › synchrony-expands-credit-reach-paypal-165500815.html
Synchrony Expands Credit Reach With New PayPal Credit Card
June 4, 2025 - A prominent player in the consumer financing space, Synchrony Financial SYF recently issued a new physical credit card in collaboration with PayPal.
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PayPal
paypal.com › us › cshelp › article › what-is-my-paypal-credit-card-or-paypal-credit-digital-line-account-number-help1158
What is my PayPal Credit Card or PayPal Credit digital line account number? | PayPal US
Find your PayPal Credit account number on your billing statement or contact Synchrony Financial for assistance, available daily within specified hours.
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PayPal
paypal.com › us › digital-wallet › ways-to-pay › credit-services
PayPal Cards and Credit Options | PayPal US
For offer terms and rates, see Terms. The PayPal Credit Card and PayPal Credit digital line are subject to credit approval and are available to US customers who are of legal age in their state of residence. The PayPal Credit Card and PayPal Credit digital account are issued by Synchrony Bank.
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Credit Karma
creditkarma.com › credit › i › syncb-ppc-why-is-it-on-my-credit-report
SYNCB/PPC: Why Is It on My Credit Report? | Credit Karma
April 4, 2025 - Some people report that their old PayPal Credit or Bill Me Later accounts are now appearing on their credit reports for the first time. So why the change? When PayPal Holdings owned these accounts, it was likely not reporting on them to the bureaus. Now that Synchrony Bank has taken the accounts on, it seems that they’re getting reported to the bureaus.
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PayPal
paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit
PayPal Credit: Your Reusable Credit Line | PayPal US
The PayPal Credit Card and PayPal Credit digital line are issued by Synchrony Bank. The PayPal Credit Card is issued pursuant to a license by Mastercard International Incorporated.
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Synchrony Bank
securelogin.synchronybank.com
Synchrony Bank
Log In to Synchrony Bank High Yield Savings, CDs, Money Market Accounts, IRAs. Get online access to check your balances, transfer funds, and more.