PayPal Credit Card Reviews
Latest Reviews
★☆☆☆☆
“RIP OFF DONT BUY PAYPAL PREPAID”
Written on: 18/05/2013 by nothappypaypal
I got the card so I could transfer money instantly over the net. I paid so could do so. Now after they got my money the web site dosnt work. Its been down for days. When I call they act like its no big deal I can just transfer money on paypal oh but that takes 3 to 5 days to get. I've been lied to cheated and hung up on by customer no service. When I asked for a refund so I could cut the card and throw it in the toilet where it belongs the "manager" said why should we do that. Because you... (read more)
★☆☆☆☆
“Customer Service (or lack thereof)”
Written on: 22/04/2013 by GinoCorleone
4/21/13: Got declined at a vending machine to buy a $1.50 soda. Had $2000 of credit limit available to purchase. 4/22/13: Spent 1 hour and 32 minutes on telephone trying to speak to a credit card representative at GE/Paypal Extras MasterCard regarding issue. 4/22/13: 1:45pm - Called "customer service" number on the back of my card, got stuck in endless IVR loop with no ability to opt out to a customer service live person. 4/22/13: 1:55pm - Called "customer service" number on Paypal... (read more)
★★☆☆☆
“PayPal Extras MC by GE Money Bank”
Written on: 20/03/2013
I've had the card for a while now, about 3 years. As a tool to pay for PayPal purchases and not have to worry about my bank account being the default payment instrument, it's definitely lived up to it's purpose. The gripe I have is with the outsourced service center, as it can be hard to understand them, and it's definitely tough when they are reading a script. I would not recommend this, even to my worst enemy. For those in the states, it should be noted that "regular" PayPal, minus the... (read more)
★☆☆☆☆
“Customer service people lie”
Written on: 18/01/2013
My total balance was about $3000 but statement balance was less than that so i didn't want to pay full amount. I made a small paymet of $500 and than later called and asked how much i owe them becuase i don't want to pay any interest. Customer service rep told me i don't have to pay anything in that month. He said i can pay everything next month and we will not charge any interest. I asked him i didn't pay full statement amount and i think you guys will charge me interest. He guarantted me... (read more)
★☆☆☆☆
“Horrible Customer Service (Out Sourced)”
Written on: 09/06/2012 by nicole9579
I would never suggest this card to anyone. I got this card to be able to access my paypal account more easily, I tried to acctivate my card online and it told me I had to call customer service....what a joke. The outsourced lady who took my call was reading from a script and was not listening to anything I was saying then she asked me to fax her my drivers license and my social security card, I don't know about you but I have never been asked to fax anyone my social security card. I asked to... (read more)
★☆☆☆☆
“Terrible call centre! Avoid.”
Written on: 13/02/2012
I've actually been a Paypal credit card customer for around 5 years. At the beginning I was lured in with a large credit limit and a balance transfer. I breached one of the conditions (unknowingly made a cash advance rather than purchase), and Paypal credit cards made me pay the full interest for my balance transfer. It's been a few years now and I've finally paid off the balance of the card. Trying to cancel the account is a nightmare. In fact, trying to do ANYTHING that involves customer... (read more)
★☆☆☆☆
“Stranded across country”
Written on: 24/09/2011 by haloinfinite1
I had my Paypal MasterCard for four years. I decided to get it when I opened the Paypal Account itself. At the time I had two other credit cards, so at first I didn't really have an issue. I basically only used the card when purchasing with eBay and other online sellers that accepted paypal. Then I decided to close the other credit accounts and that is when the fun started. The paypal MC was declined MOST of the time. Even for small purchases such as a lunch of $10.00. I would call... (read more)
★☆☆☆☆
“It is such a releif to read other people having the...”
Written on: 19/05/2011 by purplestix (1 review written)
It is such a releif to read other people having the same problems with the Paypal Credit Card and Santander. I have personally found the customer service to be so unhelpful. Most of my agro is to do with the "loyalty" scheme. But having to write endless emails and phonecalls I still find myself banging my head on my computer desk. Sometimes the statements dont appear until a week or more after they should, which makes me feel I'm not in control of my money. I would never ever recomment this... (read more)
★☆☆☆☆
“Had this card Approximatly 8 months. Firstly the card...”
Written on: 18/05/2011
Had this card Approximatly 8 months. Firstly the card didnt work via PayPal at all. This was then resolved. Then I paid some money off the card, The worst bank in Europe Santander then cancled the card and told me it wasnt paid from my FirstDirect account. I called to confirm it was, a few people from FirstDirect customer support then called on my behalf but santander didnt belive them either! Eventually after speaking to a manager or a manager it was resolved and a new card sent, oh and £50... (read more)
★☆☆☆☆
“Got this card to pay for eBay purchases... but it's...”
Written on: 04/05/2011 by Jaman (1 review written)
Got this card to pay for eBay purchases... but it's not been linked to my PayPal a/c so I can use it for everything but eBay! Numerous messages met with numerous apologies but no action. Absolute waste of time. (read more)
See next 10 reviews
Showing 1 - 10 of 38 Reviews
★☆☆☆☆
“Saantander (PayPal Mastercard) is, without doubt, the...”
Written on: 19/04/2011
Saantander (PayPal Mastercard) is, without doubt, the worse credit card company I have ever dealt with! Never mind the APR or the "loyalty" points scheme, NO amount of inducements can possibly compensate for truly awful levels of customer service that completely fail to address the "customer", and a system that is unfit for purpose. Complaints invariably are not answered correctly: internet log-in problems were due to my computer, but 8 emails and 2 weeks later they admit to another... (read more)
★☆☆☆☆
“I totally agree with the other reviwers comments. When...”
Written on: 21/03/2011
I totally agree with the other reviwers comments. When my card was activated it was linked to my Paypal account with the wrong expiry date. Calls to their call centre just proved frustrating as they failed to understand the problem (calls cost £10+). After 4 emails I finally got a reply but the problem remains unresolved. Totally inadequate customer service and I will not be using the card. (read more)
★☆☆☆☆
“I have only persevered with my recent PayPal...”
Written on: 03/03/2011
I have only persevered with my recent PayPal Mastercard out of a morbid fascination on how bad a service can possibly be! My own central gripe is that I still cannot use my PayPal Mastercard to make payments from my PayPal account... This is unresolved after more than four weeks. I took it up with Santander who have treated it as a complaint and have just written back with apology and advice to get my card details updated by PayPal (the expiry date shown on my PayPal account is wrong).... (read more)
★☆☆☆☆
“This is truly the worst credit card I have ever used....”
Written on: 02/03/2011
This is truly the worst credit card I have ever used. The initial credit limit was laughable but the real problem is the customer disservice department. I have had to call them numerous times and each time I have been told that what I am saying is nonsense. Every time it transpires that I am right. One operative even had the gall to tell me that I don't have the card that I do and that I clearly don't understand how credit cards work or the benefits I should expect.
The main problem is that...
(read more)
★★☆☆☆
“Had card for about 3 years now. ”
Written on: 18/02/2011
Had card for about 3 years now.
At last card activation the operative was more focused on selling me another product, as such he omitted to activate my card. I had to call again to have it activated.
21 e-mails (excluding telephone calls) to try and get address verified, even although I had twice followed their verification process.
Letters received addressed to my middle name.
My first name is correect on online account and on emails but they have it different on card statements and...
(read more)
★☆☆☆☆
“My payments are taken monthly by direct debit - just...”
Written on: 16/02/2011
My payments are taken monthly by direct debit - just received this months statement with £12 added for non payment and a default notice!!! So it's now MY fault that THEY did not take the payment. Am cooling down a little before I ring them, so I don't say something they'll regret!!!!!!! (read more)
★☆☆☆☆
“The Paypal CC is great value for money if you use the...”
Written on: 16/02/2011
The Paypal CC is great value for money if you use the card purely online using the Paypal checkout system. You get 2% cashback. However, the service provided by the card issuer, Santander, is the worst there is. Premium number for phone calls and they NEVER answer queries via the web site. That is if you can actually log on to use the web site, it is always suffering problems. Avoid unless you use the Paypal checkout, there are far better providers. (read more)
★☆☆☆☆
“I've had a Paypal credit card for almost a year. I am...”
Written on: 07/02/2011
I've had a Paypal credit card for almost a year. I am still owed my £20 worth of vouchers despite being assured by Santander that they would be paid. Also had to use their very expensive customer services number where they love to keep you holding on. Made a complaint and now they say it's Paypals fault not theirs. That's all very well but my contract is with Santander. I've a feeling this one's going to the ombudsman. Shame really as this could e a very good card. (read more)
★☆☆☆☆
“I've had a PayPal Credit Card (MasterCard) for a few...”
Written on: 04/02/2011
I've had a PayPal Credit Card (MasterCard) for a few years, but recently, under the auspices of Santander, the service has markedly declined. My on-line access stopped working through no fault of my own, and expensive calls to customer services, in what sounds like India, have not resolved the issue. I have the distinct impression that Santander are trying to drop this brand using poor customer service as the technique. It is bad for PayPal themselves as people might think that this card is... (read more)
★☆☆☆☆
“WARNING - Santander / Paypal seem to think that good...”
Written on: 20/01/2011
WARNING - Santander / Paypal seem to think that good Customer Service is cancelling your current credit card when they POST you a new one!
My present card expires at the end of January 2011 but they stopped it when they sent out a replacement on the 14th December 2010.
Calls to the 'service centre' resulted in replies such as 'That's how the system works. What do you want me to do about it?"
The replacement card still hasn't arrived - but when it does it will be destroyed.
By the way, no use...
(read more)
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Showing 11 - 20 of 38 Reviews
★☆☆☆☆
“Had been their customer for over 3 years. they are...”
Written on: 09/01/2011
Had been their customer for over 3 years. they are ridiculus, charging high interest, unknow charges to my card. Worse customer service ever, they are always rude...they like to say 'NO' to anything u say , worse company ever. When i made payments on time , they were really nice and once i got behind they start calling me, sometimes they had threatning voices. (read more)
★★☆☆☆
“I've had a Paypal Credit Card for some years now and...”
Written on: 08/01/2011
I've had a Paypal Credit Card for some years now and have always been pleased with it.
However, since being taken over by Santander, the Customer Service has declined to a point where it's almost non-existant.
Firstly you have to call a premium rate numbet (10p a minute) to talk to them. When you eventually get through to them they promise the earth but do nothing.
Recent problems caused by Santander's move to a new computer system have been the final straw for me & I will shortly be...
(read more)
★☆☆☆☆
“disgusting ... paypalsucks.. so i migrated to okpay...”
Written on: 08/12/2010
disgusting ... paypalsucks.. so i migrated to okpay credit card (read more)
★★★☆☆
“when it is good it is very very good, trying to get...”
Written on: 19/11/2010
when it is good it is very very good, trying to get through to customer services is expensive and non productive, their security is so good they suspend accounts with no reason, no communication.expensive to phone, and long waiting times to be given no information. (read more)
★☆☆☆☆
“Well, its me again. I left a review on here the 9th...”
Written on: 13/10/2010 by keving (1 review written)
Well, its me again. I left a review on here the 9th June and I'm still having the same problem. Was issued a PayPal Mastercard with reward points. On my September statement they said they would issue me with £5 of reward vouchers; I still have no vouchers. Last time I sent 6 emails and several calls. The reply to my email this time gave teh same answer they gave me last time so I'm not going to waste my time I'm just going to terminate the damn card. PayPal Mastercard (Santander) say its the... (read more)
★☆☆☆☆
“Hello, ”
Written on: 27/09/2010
Hello,
I purchased/joined when the card was first launched. I am now on my 2nd card, the first one expired after 2 years. The new card was sent nearly 4 weeks late, contacted PayPal many times, received conflicting information and various "fob offs". they simply didn't care.
Their customer service for the card is the same as their normal paypal customer service, a complete joke.
Since then I have made many transfers from my PayPal account to the card which if you do before 12 midnight is...
(read more)
★★★★★
“I think The paypal credit card is ok theres no hidden...”
Written on: 12/09/2010
I think The paypal credit card is ok theres no hidden charges and its good. (read more)
★★★★☆
“I think people are getting confused in here between...”
Written on: 08/09/2010
I think people are getting confused in here between Paypal and the Paypal Credit card.
The paypal credit card at 12.9% apr is a fantastic rate even at this time there are not many rates like it. The card is easy to use Mastercard accepted near enough everywhere. I do tend to use it online mostly and for major purchases such as holidays etc. The only downside is the online solution. Great easy access (if you can get in)once in its straight forward to see your balance, download a statement...
(read more)
★☆☆☆☆
“I got a Pay Pal card in March and was promised £20 for...”
Written on: 06/09/2010
I got a Pay Pal card in March and was promised £20 for first purchase - never received. Rang several times. On July 5th was promised they would be credited within 30 days. Still waiting. Call centre is awful (read more)
★☆☆☆☆
“Was issued a PayPal Mastercard with reward points. On...”
Written on: 09/06/2010
Was issued a PayPal Mastercard with reward points. On their April statement they said they would issue me with £20 of reward vouchers; its now June and I still have no vouchers. 6 emails and several calls later PayPal Mastercard (Santander) say its the responsibility of PayPal to issue the vouchers and Paypal say its teh responsibility of Santander (Paypal Mastercard). So they still owe me £20 in vouchers.
Customer service for both companies just pass the buck to the other. If its not...
(read more)
See next 10 reviews
Showing 21 - 30 of 38 Reviews
★★★★☆
“Excellent credit card, when I got it a couple of years...”
Written on: 20/01/2010 by caketaker (4 reviews written)
Excellent credit card, when I got it a couple of years ago the APR was 12.9% and it still is, even with Santander taking over the account. The cheapest APR you will find currently is nowhere near as good :) My only gripe is that since Santander have taken over there are a lot of 'credit adjustments' appearing on my statement. Never had any problems with stores not accepting it on or offline, I think those reviews refer to the 'top-up' card which is completely different. I don't know what... (read more)
★☆☆☆☆
“I have the Paypal Mastercard. ”
Written on: 12/12/2009
I have the Paypal Mastercard.
When I first got my Card 8 months ago via the Paypal site all went well.
Later they started overchaging me in interest which I disputed. The card had recently been taken over by Santander and I beleive it was an admin problem. Nov 2009 nI received a letter from Santander stating that tyhey have made erreors re charging interest since June 09 and will be crediting the money back. Dec 09 I closed my account and they state they have nothing to credit as they are...
(read more)
★☆☆☆☆
“I have had a Paypal card for one week and have only...”
Written on: 10/04/2009
I have had a Paypal card for one week and have only managed to ever use it once.
It didn't work with 2 online transactions I tried to make and also at 3 different cashpoints.
(read more)
★★★★★
“Good interest rate, one of the best!! Quick...”
Written on: 17/01/2009
Good interest rate, one of the best!! Quick acceptance. No problems what-so-ever. Can't understand why some people Knock it. I've had no problems at all getting it accepted all over Europe. (read more)
★★★★★
“I must have a different Paypal Credit Card than the...”
Written on: 22/12/2008 by Solutions
I must have a different Paypal Credit Card than the reviewers here. Mine is a Mastercard one and no problems at all getting it accepted. I applied through the Paypal website and was accepted. This card is not an Electron or Pre Paid one.
Only thing I find annoying is the time it takes to get online to look at my account etc. It takes ages.
(read more)
★★★★☆
“This works great for me, as I get paid mostly via...”
Written on: 16/12/2008
This works great for me, as I get paid mostly via paypal so to be able to transfer my balance (only takes 24 hours) to a useable card is great. It does look a bit cheap, but who cares? Yes it is Electron, but this has become more widely accepted and I do check with the retailer if I am unsure if they accept it.
Compared to other prepaid cards it is easy and cheap. I had endless problems topping up other cards and the fees were high. I have only topped up via paypal, so I can't comment on...
(read more)
★★★★★
“I have found my paypal top up card excellent. As I...”
Written on: 30/10/2008
I have found my paypal top up card excellent. As I accept most of my income via paypal it is a very convenient way to access my money.
I have had no problems with it's use - I think it is considered more of a Visa Electron rather than visa debit.
The top-ups are free if you use your paypal acoount. I haven't tried paypoint or the post office yet.
The card does look a bit tacky - bright yellow and the numbers aren't embossed (as on Electron), but it does the job.
Well done Paypal!
(read more)
☆☆☆☆☆
“I don't think the PayPal Credit Card was worth the ...”
Written on: 11/10/2008 by tiger83 (1 review written)
I don't think the PayPal Credit Card was worth the £4.95 fee for issuing. It looks and feel awful. Flimsy plastic, no embossing and the chip looks like I made it from tin foil. I was unable to use in all 4 of the on-line transactions I've tried to complete, and only 1 of 3 retailers. Didn't work in Morrisons, or a restaurant and did work in Holland & Barrett. This is too unreliable, if you've no alternative payment method, it's highly embarrassing. In fact, to have any card rejected/decline... (read more)
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Geebrooks9's Comment
Written on: 08/01/2011
I found this review very helpful because...