Akoonka deynta Paypal aad ayuu uga duwan yahay kaarka deynta Paypal . Waa khad deyn ah oo kuu ogolaanaya inaad wax ku iibsato akoonkaaga Paypal xitaa haddii hadhaaga ^(Paypal)Paypal uusan ku filneyn inuu daboolo iibka.

Haddaba, maxaad u doonaysaa inaad iska diiwaangeliso koontada deynta Paypal ? Waxaa jira dhowr astaamood oo khadkan deynta ah oo ay bixiso Paypal oo leh faa'iidooyin badan. Tan ugu muhiimsan, waxay kuu ogolaanaysaa inaad bixiso lacag bixinta muddo wakhti ah, iyada oo aan wax ganaax ah ama dulsaar lahayn.

Aan sahamino waxa ay bixiso koontada deynta Paypal, iyo sidoo kale goorta iyo sababta aad u rabto inaad isticmaasho.

Waa maxay Account Credit PayPal?^{(What Is a PayPal Credit Account?)}

Ka fakar akoonka deynta Paypal in uu yahay xariiq credit oo lagu soo galo akoonkaaga Paypal ee caadiga ah. 

Marka aad codsato credit PayPal^{(apply for PayPal credit)} , codsigaaga credit waxaa ka baaraandegi doonaa Synchrony Bank . Maadaama khadka amaahda ugu hooseeya ee la bixiyo uu yahay $250 oo keliya, dad badan ayaa u qalmi doona khadka deynta.

Waxaad u baahan doontaa inaad keento taariikhda dhalashadaada, dakhliga saafiga ah ee cashuurta ka dib, iyo nambarkaaga badbaadada bulshada. Oggolaanshaha^(Approval) koontada deynta PayPal waa isla markiiba inta badan. 

Waxaa jira dhowr waxyaalood oo muhiim ah oo aad ogaato ka hor intaadan go'aansan inaad codsato koontada deynta PayPal .

• Warbixinta deyntaada waxay heli doontaa "adag" garaac hal mar ogolaanshaha deynta bilowga ah. Tani waxay saameyn kartaa warbixintaada deynta.
• Xadka deyntaada bilowga ah waxay noqon doontaa $250.
• Bixinta akoonkaaga waqtigii loogu talagalay waxay u badan tahay inay dhaliso khad deyn ah oo kordha waqti ka dib.
• Isbeddelka heerka boqolkiiba sannadlaha ah ( APR ) waa 25.99%.
• Lacag u dirida qof (adoo isticmaalaya lacag caddaan ah) waxay ku kici doontaa lacag dhan 2.9% oo lagu daray $0.30.
• In aadan ku bixin koontadaada PayPal waqtigii loogu talagalay ma saameyn doonto dhibcahaaga deynta.^(PayPal)
• Bixinta koontada deynta PayPal waqtigii loogu talagalay ma hagaajin doonto dhibcahaaga deynta.^(PayPal)

Marka la ansixiyo, khadka deynta ayaa lagu xiri doonaa akoonkaaga PayPal . Mar kasta oo aad wax ka iibsato meel kasta oo aqbala PayPal , waxaad arki doontaa xisaabtaada deynta cusub ee PayPal sida ikhtiyaarka lacag bixinta.

Sida Loo Isticmaalo Koontadaada Lacagta Paypal^{(How To Use Your Paypal Credit Account)}

Mar kasta oo aad ka soo iibsato baayacmushtarka aqbala lacagaha Paypal , sida eBay, waxaad arki doontaa credit PayPal liiska lacag bixinta ikhtiyaarka ah.

Doorashada ikhtiyaarka amaahda PayPal waxay socodsiisaa lacag-bixintu waxay u habayn doontaa sidii aad wax ku bixinaysay adigoo isticmaalaya koontada PayPal ee caadiga ah. Haddii aad rabto inaad u isticmaasho deynta PayPal dhammaan wax iibsigaaga, waxaad u baahan doontaa inaad u dejiso sidii ikhtiyaarka lacag bixinta ee aad door bidayso akoonkaaga PayPal .

Waxaa jira dhowr shay oo ay tahay in maskaxda lagu hayo si loo dhimo qaddarka khidmadaha iyo dulsaarka aad aakhirka ku bixinayso iibsashadaada.

• Wax kasta oo aad iibsato in ka badan $99, ma bixin doontid wax dulsaar ah haddii aad ku bixiso 6 bilood gudahood.
• Bixi ugu yaraan lacagaha ugu yar bishii si aad uga fogaato kharashaadka ribada.

Goorma La Isticmaalayo Lacagta PayPal^{(When To Use PayPal Credit)}

Waxaa jira dhowr sababood oo ay tani uga wanaagsan tahay helitaanka kaarka deynta PayPal (ama kaarka deynta kale).

Dhibcaha PayPal^(PayPal) waxay u shaqeysaa sida badbaadada koontadaada PayPal . Nasiib darro, haddii aad lacag ka soo xawilato akoonkaaga bangiga una wareejiso PayPal , ama qof uu ku siiyay PayPal , waxay qaadanaysaa dhawr maalmood in ay lacagtu soo gasho.

Wax Iibsashada^{(Buying Things)} Inta aad Sugayso Lacag-bixinta

Koontadaada waxa laga yaabaa in ay eber ku dhowaato, laakiin maadaama aad lacag haysato, ma jirto sabab aadan awoodin inaad u isticmaasho akoonkaaga si aad wax ugu iibsato adoo isticmaalaya koontada PayPal .

Deymaha PayPal , xitaa haddii koontadaada ay eber ku dhowdahay, weli waad iibsan kartaa wax mana aha inaad ka walwasho. Marka aad lacagta ku hesho akoonkaaga, waxa aad iska bixin kartaa dayntii aad isticmaashay.

U isticmaal Credit PayPal ^{(Use PayPal Credit)}Kaadhka Amaahda Beddelka^{(Alternative Credit Card)} ah

Cilmi-nafsiga ee lahaanshaha kaarka deynta xad-dhaafka ah inta badan waxay dadka u horseedaa kharash xad dhaaf ah. Kahor intaanay ogaanin, waxay isticmaaleen $5,000 ama $6,000 oo ah $10,000 xadka kaararka deynta.

Taasi maaha nooca lacagta ay dadka badankiisu ku bixin karaan bil gudaheed, sidaas darteed waxaa lagu qasbay inay beddelaan inta badan hadhaaga bilba bisha oo ay bixiyaan kharashyo dulsaar oo waaweyn.

Paypal credit wuxuu kuu ogolaanayaa inaad u isticmaasho credit iibsiga yar yar, laakiin ma aad u badan oo aadan awoodin in aad iska bixiso bishii kasta. Bixinta hadhaaga oo dhan waxay la macno tahay inaad iska ilaalin doonto inaad bixiso 25.99% dulsaarka dulsaarka ee la socda iibyo yaryar oo ka hooseeya $99.

Tani macnaheedu maaha inaadan dhaafin karin dheelitirka oo aadan iska ilaalin karin kharashka dulsaarka, laakiin waa haddii aad iibsatid wax ka badan $99. Waxaad sidoo kale u baahan doontaa inaad hubiso inaad iska bixisay kharashyadaas ka hor xadka 6da bilood ah.

Bixinta Baahiyaha aasaasiga ah

Aan wajahno, mararka qaarkood baahiyaha nolosha ayaa marmar ka badan dakhligaaga bishii. Ma dhacdo bil kasta, laakiin waqtiyada fasaxyada oo kale way dhici kartaa.

Isticmaalka PayPal si aad u iibsato raashin ama gaas waa suurtagal, iyadoo la tixgelinayo in hadda ay jiraan in ka badan 30 silsilado dukaamo ah oo dalka^{(30 grocery chains across the country)} oo dhan ah kuwaas oo aqbala lacagaha PayPal.

Xitaa dukaamada internetka sida GrumMarket waxay aqbaleen PayPal^{(GrumMarket accepts PayPal)} .

Ilaa intaad u isticmaaleyso koontadaada deynta PayPal waxyaabahan oo kale si yar, oo aad hubiso inaad bixiso hadhaaga bisha soo socota, tani waa hab la aqbali karo oo aad kaga badbaadi karto waqtiyadaas adag.

Isticmaal ku habboonaanta App-ka Mobilka

Markaad isticmaasho mobaylka PayPal ee iOS ama Android , waxaad si dhow ula socon kartaa inta credit PayPal aad isticmaalayso.

Taas waxa dheer, si degdeg ah ayaad u samayn kartaa lacag-bixinno si aad ugu sugnaato wakhtiga oo aanad waligaa ka daahin bixinta deynta. Laakiin xitaa haddii aad tahay, xusuusnow in maqnaanshaha lacag-bixinta ama laba ka mid ah lacag-bixinnada deynta PayPal aysan dhaawici doonin qiimeyntaada deynta sida maqnaanshaha bixinta kaarka deynta.

Sababaha Aanad U Isticmaalin Koontada Amaahda Paypal^{(Reasons You Shouldn’t Use a Paypal Credit Account)}

Ku habboonaanta koontada deynta Paypal waa duco iyo habaar labadaba. Dhammaan sababaha kor lagu sheegay, waxay ku siinaysaa lacag markaad u baahato.

Si kastaba ha ahaatee, ma aha qof kasta. Haddii mid ka mid ah shayada hoose ay ku sifeeyaan, malaha waa inaadan codsan koontada deynta  PayPal .

• Waxaad ku dhibtoonaysaa inaad bixiso baaqyada wakhtiga.
• Waxaad u badan tahay inaad si qasab ah u iibsatid waxyaabo aadan u baahnayn.
• Waxaad ku nooshahay jeeg mushaaraad ah.
• Waxa aad hore u haysatay kaadhadhka kredit-ka ee badan oo la soo dhaafay.

Haddii aad hore u lahayd caadooyinka credit credit, 25.99% dulsaarka hadhaaga aanad bixin waxay si degdeg ah kuugu keeni kartaa dhibaato. 

Ku-wareejinta baaqyada ka baxsan xadka 6da bilood waxay la macno tahay in akoonkaaga deynta PayPal uu la mid noqon karo mid kasta oo ka mid ah kaararka deynta la kordhiyey. Waxa aad heli doontaa in aad dulsaar inta badan ku bixinayso hadhaaga taas oo noqon karta mid aad u adag in la iska bixiyo.

Is a PayPal Credit Account Right For You?

A Paypal credit account is very dіfferent thаn a Paypal credit card. Іt’s a line of credit that will let you buy things with your Paypal account even if your Рaypal balance doesn’t have enough to cover the purchase.

So, why would you want to sign up for a Paypal credit account? There are a few features of this credit line offered by Paypal that has a lot of advantages. Most importantly, it lets you spread out payments over a period of time, without any penalties or interest.

Let’s explore what a Paypal credit account offers, as well as when and why you may want to use it.

What Is a PayPal Credit Account?

Think of a Paypal credit account as a line of credit that gets tacked onto your regular Paypal account. 

When you apply for PayPal credit, your credit application gets processed by Synchrony Bank. Since the lowest credit line offered is only $250, a lot of people will qualify for the credit line.

You’ll need to provide your date of birth, net income after taxes, and your social security number. Approval for a PayPal credit account is instant most of the time. 

There are a few important things to know before you decide to apply for a PayPal credit account.

• Your credit report will receive a “hard” hit once for the initial credit approval. This could affect your credit report.
• Your initial credit limit will be $250.
• Paying your account on time will likely result in a credit line increase over time.
• The variable annual percentage rate (APR) is 25.99%.
• Sending money to someone (using a cash advance) will cost a fee of 2.9% plus $0.30.
• Not paying off your PayPal credit account on time will not affect your credit score.
• Paying off your PayPal credit account on time will not improve your credit score.

Once approved, the line of credit will get linked to your PayPal account. Whenever you purchase anything anywhere that accepts PayPal, you’ll see your new PayPal credit account as an option for payment.

How To Use Your Paypal Credit Account

Whenever you buy from a merchant that accepts Paypal payments, like eBay, you’ll see PayPal credit listed as a payment option.

Choosing the PayPal credit option processes the payment will process just like you were paying using your regular PayPal account. If you want to use your PayPal credit for all of your purchases, you’ll need to set it up as your preferred payment option in your PayPal account.

There are a couple of things to keep in mind to reduce the amount of fees and interest you end up paying for your purchases.

• Anything you buy over $99, you won’t pay any interest if you pay it off within 6 months.
• Pay at least the minimum monthly payments to avoid interest charges.

When To Use PayPal Credit

There are a few reasons this is better than getting a PayPal credit card (or any other credit card).

PayPal credit works like a safety buffer for your PayPal account. Unfortunately whether you transfer money from your bank account to PayPal, or someone has paid you via PayPal, it takes a few days for the money to come in.

Buying Things While Waiting For a Payment

Your account may be near zero, but since you have money coming in, there’s no reason  you shouldn’t be able to use your account to buy something using your PayPal account.

With PayPal credit, even if your account is nearly zero, you can still buy things and not have to worry. Once you receive the payment into your account, you can pay off the credit you used.

Use PayPal Credit As An Alternative Credit Card

The psychology of owning a high limit credit card often leads people to overspend. Before they know it, they’ve used up $5,000 or $6,000 of a $10,000 credit card limit.

That’s not the kind of amount that most people can pay off in a month, so they’re forced to roll over most of the balance from month to month and pay significant interest charges.

Paypal credit lets you use credit for small purchases, but not so much that you can’t afford to pay it off each month. Paying the entire balance off means you’ll avoid paying the 25.99% interest rates that come along with smaller purchases under $99.

This doesn’t mean that you can’t roll over a balance and avoid interest charges, but only if you make purchases larger than $99. You’ll also need to make sure you pay off those charges before the 6 month limit.

Paying For Basic Necessities

Let’s face it, sometimes the needs of life occasionally exceed your monthly income. It doesn’t happen every month, but at times like the holidays it can happen.

Using PayPal to buy groceries or gas is possible, considering that there are currently over 30 grocery chains across the country that accept PayPal payments.

Even online grocery stores like GrumMarket accepts PayPal.

So long as you use your PayPal credit account for things like this sparingly, and make sure to pay off the balance the very next month, this is an acceptable way to survive those difficult times.

Use The Convenience Of a Mobile App

When you use the PayPal mobile app for iOS or Android, you can closely monitor how much PayPal credit you’re using.

In addition to this, you can quickly make payments so you can stay on time and never be late with a credit payment. But even if you are, remember that missing a payment or two of your PayPal credit payments won’t hurt your credit rating like missing a credit card payment would.

Reasons You Shouldn’t Use a Paypal Credit Account

The convenience of a Paypal credit account is both a blessing and a curse. For all of the reasons stated above, it gives you access to money when you need it.

However, it’s not for everyone. If any of the items below describe you, you probably shouldn’t apply for a PayPal credit account. 

• You struggle to pay off balances on time.
• You tend to compulsively buy things you don’t need.
• You’re living paycheck to paycheck.
• You already have multiple, maxed out credit cards.

If you already have bad credit habits, the 25.99% interest on the balance you don’t pay could get you into trouble quickly. 

Rolling over balances beyond the 6 month limit means your PayPal credit account could become just like every one of your maxed out credit cards. You’ll find yourself paying mostly interest on a balance that can become very difficult to pay off.

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