How Do I Bill Pay Me Later Account

PayPal Credit formerly known as Bill Me Later is a digital credit line that can be used to finance purchases and pay them back over time. With PayPal Credit, you can get 6 months special financing on purchases over $99 when you check out with PayPal and choose PayPal Credit as your payment option. This allows you to buy now and pay later in a convenient and flexible way. However, many users have faced issues when trying to pay their PayPal Credit bill, especially after the transition from Bill Me Later. In this comprehensive guide, we will walk through the steps on how to easily pay your PayPal Credit bill so you can avoid late fees or any other issues.

Overview of PayPal Credit

• PayPal Credit is a digital line of credit that can be used over and over again. It can be used to buy things from millions of online stores that accept PayPal.

• It has special financing deals, like no interest for 6 months if you pay for anything over $99 in full.

• It’s free to use every year, and the checkout process is meant to be quick and easy.

• Once approved, PayPal Credit is added to your PayPal wallet instantly so you can use it right away.

• It was formerly known as Bill Me Later until the name change in 2014.

• Some of the best things about it are that there is no annual fee, you can pay for things over time, you can get deals on purchases, and it works perfectly with PayPal.

Why Paying Your Bill on Time is Crucial

Paying your PayPal Credit bill on time is extremely important to avoid fees and negative impacts:

• Late Fees: If you miss your minimum monthly payment, you will be charged a late fee starting at $30. This can add up over time.

• Interest Charges: If you don’t pay the full balance on a promotional purchase within the promotional period, deferred interest will be charged from the date of purchase. This eliminates the benefit of the special financing offer.

• Credit Score: Late and missed payments can negatively impact your credit score over time.

• Future Credit Approvals: Lenders view payment history when considering future applications. Missed payments can jeopardize approvals for loans, credit cards etc.

How to Pay Your PayPal Credit Bill

There are a few different ways you can pay your PayPal Credit bill conveniently. Here are the main options:

1. Pay from Your PayPal Account

• This option only works if your PayPal account is linked to your PayPal Credit account.

• To check, simply log into your PayPal account and look under “Money” tab – if you see PayPal Credit listed, the accounts are linked.

• If linked, under “Profile”, click on “My Money”, select PayPal Credit, and choose “Schedule a Payment”.

• You can use your PayPal balance or linked bank account to make the payment.

2. Pay Directly on PayPal Credit Website

• If your PayPal and PayPal Credit are not linked, you can pay directly on the PayPal Credit website.

• Go to www.paypalcredit.com and login with your PayPal Credit account credentials.

• You can pay online using a bank account you’ve registered with PayPal Credit.

• Make sure to pay at least 1 day before due date to allow processing time.

3. Pay by Phone

• You can make a payment by calling PayPal Credit directly at 866-528-3733.

• This is the easiest option if you prefer phone support.

• Have your account number, payment amount, and credit/debit card ready before calling.

4. Pay by Mail

• Mail your check or money order to the address below:

PayPal Credit
P.O. Box 105658
Atlanta, GA 30348-5658

• Include your account number from your statement to ensure proper processing.

• Allow at least 5-7 business days for mail payments to avoid late fees.

Auto-Pay Option

You can also set up automatic payments from a bank account so the minimum monthly payment is always paid on time. To do this:

• Go to PayPal Credit website and login.

• Under “Profile”, click on “Settings”.

• Select “Auto Pay” and choose settings.

• Input bank account information and payment date.

• Payments will now be automated monthly.

The auto-pay option ensures you never miss a payment but still provides flexibility to pay more than the minimum when needed.

Tips to Avoid Issues Paying Your Bill

To prevent headaches when trying to pay your PayPal Credit bill, keep these tips in mind:

• Link PayPal and PayPal Credit accounts – This lets you seamlessly pay your bill from PayPal.

• Pay at least 5-7 days before due date – Build in buffer for processing time and delays.

• Mark payment dates on calendar – Don’t rely on memory to avoid late fees.

• Automate minimum payments – Set up auto-pay so minimum is always paid on time.

• Contact support if you have trouble paying – Don’t wait until after due date.

• Avoid debit/credit cards – You cannot use these to pay PayPal Credit bill.

• Check statements regularly – Monitor balance and upcoming payments.

Following these tips will help you stay on top of your bill and ensure on-time payments every month. Reach out for help early if you ever have issues.

Common Questions and Issues

Paying your PayPal Credit bill can be confusing, especially with the transition from Bill Me Later. Here are answers to some common questions and issues:

What if my PayPal and PayPal Credit accounts are not linked?

• You can still pay by going directly to the PayPal Credit website, mailing a check, calling, or setting up auto-pay from a bank account.

Why can’t I pay with a debit/credit card?

• PayPal Credit does not allow payments from debit or credit cards – you must use bank account, PayPal balance, check, or money order.

What if I can’t access my statements?

• Statements are only available by logging into your PayPal Credit account – if you have trouble accessing, contact support.

Why don’t payment links work?

• Sometimes the links between PayPal and PayPal Credit break, preventing payments. Contact support to get help resolving.

How can I get my account number to pay?

• Your account number is on your monthly billing statement. You can also call customer service for help.

How do I avoid late fees?

• Pay at least a week early, set up auto-pay for minimum, and calendar/track payment dates. Contact support if an issue arises with paying.

Conclusion

Paying your PayPal Credit bill on time takes just a little planning and know-how. Now that you understand the different ways to pay your bill and tips to avoid issues, you can pay with confidence and avoid unnecessary fees or headaches. Automating payments for the minimum amount each month and paying early provides flexibility while safeguarding your account. Don’t hesitate to contact customer support if you ever run into trouble – they can provide guidance specific to your account. With PayPal Credit’s special financing offers and seamless integration with PayPal, it can provide great value as long as you pay your bill responsibly.