When it notices that your account has attempted to process payments multiple times, they shut it down to protect you from this supposed fraudulent activity. PayPal tries to be cautious and protect you from fraud and scams. Unfortunately, things don't always go smoothly and you have to reprocess the application several times.īe cautious when doing this as it can lead to an automatic denial due to “application information tied to unusual activity”. When asked to select your payment method, you choose the Pay in 4 option and fill out the application. You add your items to the cart and head to the online checkout. PayPal Pay in 4 Rejected: Application information tied to unusual activity They work with all types of lenders who can issue loans up to $10,000 for individuals with bad credit. If this is the case, you might still be able to purchase items on a buy now pay later program through loans with lenders like. On the other hand, individuals who have poor credit scores and accounts that have fallen into collection may also face a denial. PayPal could deem you too much of a risk for this buy now pay later program. If you are relatively young, have no credit cards, and are responsible for a few bills, you may not have a credit score at all. Not everyone has a credit history to pull. One of the top reasons your PayPal Pay in 4 was denied is a lack of credit history or poor credit. Instead, it gives PayPal access to essential aspects of your financial health, such as lines of credit, loans, and payment history. A soft credit check does not negatively impact your credit score. PayPal does perform a soft credit check when determining who is eligible for this type of account. However, this sometimes misleads people to think that credit does not matter when it comes to getting approved or rejected. One of the great things about the “Pay in 4 program” is that it does not affect your credit score in any way. PayPal Pay in 4 Declined: Low Credit Score If you were turned down for this service, here are the reasons why and what you can do about them. If your balance is too high, you will need to pay it down before using the program again. Unusual activity such as repeated attempts to fill out an application will also earn you a denial. Your PayPal Pay in 4 could be denied because of a lack of credit history or a low credit score. Unfortunately, many people are not approved for this program. Instead of parting with all your cash in one fell swoop, you can split payments up over six weeks. Buy now pay later programs like PayPal's Pay in 4 make shopping for expensive items more convenient.
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