They show my auto-pay account paid on my end but has not issued the money to Synchrony Bank, so they think I've not paid. Pay Pal Credit seems scammish. No way to contact except chat. Every month I'm babysitting that account with phone calls and it's on auto-pay. They get their money every month late, stating the bank (Chase) won't let them or it was reversed by the bank. There is a reversal fee. I'm never charged a reversal fee because I don't authorize them. Pay Pal Credit lies. Scammingindeed User's recommendation: Don't use pay pal credit.