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I made use of PayPal Credit the other day to defer payment of an item for 14 days. Is this the same thing or something different?

Having looked at my transaction history, I don't seem to have been charged anything for the service. Where might I check to be sure?

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The issue that they've been nailed with isn't so much that they over charged people, its that they signed people up without notifying them.

If you are using the service intentionally, then you aren't affected.

On another note, I have been using PayPal for years and haven't had any real issues with it. I mean it takes a while for eBay to get the money to me after a sale, but other than that its not bad. Have I just been lucky? Or is anyone else not experiencing problems that others are?

The main issue is that "PayPal Credit" and "PayPal Balance" are nearly indiscernible concepts to the end user, and could cause you to sign up for the "credit" when you really just meant to use your "credits."

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