Needed a new windscreen, so got a quote. They only went through pay pal.So I wanted to pay in 3. I got refused. So I applied for credit with pay pal. Only to be refused again. Because I just paid £400 for my wife's car I didn't want to pay another £400 for my windscreen in full. Never have I been refused credit in my life. I just wait till next pay day to pay in full. What I don't get, I've always used pay pal for other things and never had a problem. I'll think twice before I use this PayPal app again.