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 #.Our free phone can also navigate phone menus to get a live human at PayPal Credit for you.
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.
Q:
How long will I wait on hold?
A:The average hold time is 1 minute and 47 seconds.The longest hold times are on Sunday, and the shortest are on Wednesday.You can skip the hold time for free.
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for PayPal Credit below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this PayPal Credit phone number to document the phone system.
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.
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 #.
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.
Hi. My name is Cherry from Synchrony Bank. Can I have your first and last name?
Thank you, miss Mayer. May I know how can I help you today?"
Excerpt from a call with PayPal Credit
Saturday, October 26, 2024 12:54 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
Thursday, September 26, 2024 9:16 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 Wednesday.This observation and the following section are based on analysis of a sample set of 2,854 calls made in the last 90 days using our free, web-based phone (see above).
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the PayPal Credit call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
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 139% more phone calls by comparison.Again, this is based on a sample of 2,854 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 Wednesday.The longest wait in the queue on average occurs on Sunday, which is 384% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call PayPal Credit is Wednesday.It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that PayPal Credit staffs up on Wednesday to handle the higher call volume, and that makes it the best time to call.
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?
Inquire about debt settlement: "I'm wondering who am I supposed to call at PayPal to find out if they've been contacted by Debt Blue?"
- From a call lasting 10m 10s , Dec 19, 2024 8:54 PM
Incorrect name on order: "I'm calling because they put in an order for me today using the wrong name."
- From a call lasting 4m 3s , Dec 15, 2024 7:49 PM
Inquiry about credit transfer: "I need an explanation for why I'm not able to transfer my credit back to my debit card."
- From a call lasting 26m 27s , Dec 13, 2024 1:58 AM
Verify payment plan: "I just wanna make sure that it's broken down into the PayPal pay in four, so four separate payments."
- From a call lasting 7m 35s , Dec 10, 2024 9:20 PM
Payment issue clarification: "I just wanna make sure you got my payment with the right card and what's going on."
- From a call lasting 13m 59s , Dec 10, 2024 5:42 PM
Inquiry about invoice: "I received an email that says it's a PayPal invoice for three hundred and ninety nine dollars and ninety nine cents."
- From a call lasting 5m 49s , Dec 4, 2024 5:56 PM
Account verification issues: "I just want to clarify that before I leave."
- From a call lasting 7m 39s , Dec 2, 2024 2:37 PM
Information about why customers call PayPal Credit is extracted from issues that customers have reported to GetHuman.
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.