OCUK - PayPal Credit

pigeonguyuk · 14 Nov 2017 at 21:09

Hi All

Was wondering if anyone recently has been able to use PayPal credit as an option when paying through the website while selecting pay with PayPal.

Might reapply for credit to use for some black Friday deals.

Cheers

scotsdragon · 14 Nov 2017 at 21:11

Yup did it yestarday had 40 odd paypal credit rest it took from my account

Sparx · 14 Nov 2017 at 21:19

@scotsdragon that's not what he meant mate. OP is asking if he can use PayPal Credit (i.e. finance) when making payment to OcUK. You mean having a balance on your PayPal account, plus the difference debited from your bank card.

@pigeonguyuk to answer your question, I have no idea! Probably best asking OcUK directly in the Customer Service section.

Saffy · 15 Nov 2017 at 00:21

I wouldn't advise getting credit unless it's absolutely necessary.

But to answer your question, yes. Anywhere that accepts PayPal, you can pay with PayPal credit. I think you'd have to apply for it beforehand though. Good luck!

Thekwango · 15 Nov 2017 at 09:44

Saffy said:
Anywhere that accepts PayPal, you can pay with PayPal credit.

not true, just because they accept paypal does not mean they accept paypal credit.

OcUK do accept paypal credit, but haven't always done. it's just a matter of selecting paypal as your means of payment, then when it takes you to your paypal account to confirm you just change the payment method within paypal so that it 'looks' to your paypal credit instead of the any linked cards/accounts. I use paypal credit quite a bit as you get 3 (or is it 4?) months interest free. just make sure you have the means to keep on top of your payments and clear it within the interest free period.

Saffy · 15 Nov 2017 at 22:48

Thekwango said:
not true, just because they accept paypal does not mean they accept paypal credit.

OcUK do accept paypal credit, but haven't always done. it's just a matter of selecting paypal as your means of payment, then when it takes you to your paypal account to confirm you just change the payment method within paypal so that it 'looks' to your paypal credit instead of the any linked cards/accounts. I use paypal credit quite a bit as you get 3 (or is it 4?) months interest free. just make sure you have the means to keep on top of your payments and clear it within the interest free period.

http://www.businessinsider.com/paypal-credit-2014-8?IR=T

"Available anywhere that accepts PayPal, "as well as thousands of other online stores,".

Thekwango · 16 Nov 2017 at 00:03

Saffy said:
http://www.businessinsider.com/paypal-credit-2014-8?IR=T

"Available anywhere that accepts PayPal, "as well as thousands of other online stores,".

Well from my own experiences that is incorrect too.
There is a thread on here about it too.

From my understanding it is up to each e-store whether they want to accept Paypal credit, just because they offer Paypal as a means of payment does not mean they will automatically offer Paypal credit.

Edit: from PayPal's own site, not some news article
https://www.paypal.com/us/selfhelp/article/Why-am-I-unable-to-pay-with-PayPal-Credit-FAQ3328

Why am I unable to pay with PayPal credit? See reason D in the link.
'Because Paypal credit is not offered at checkout'

pigeonguyuk · 16 Nov 2017 at 01:40

i GOT IT CONFIRMED. GOT MY CREDIT AND LOOKED AT DOING A DUMMY PURCHASE SO LETS HOPE NOTHING CHANGES BEFORE BLACK FRIDAY OR ocuk WILL LOSE OUT

Saffy · 17 Nov 2017 at 01:29

Grats! Now let's hope we can get some good deals or else your efforts will have been wasted.

Andy_Curtis · 17 Nov 2017 at 13:07

If you really want to go down the route of finance/credit.... why not use the "buy now pay later" offer or normal finance through Overclockers, rather than Paypal? Much easier and less interest I believe.

moogle · 17 Nov 2017 at 15:06

Andy_Curtis said:
If you really want to go down the route of finance/credit.... why not use the "buy now pay later" offer or normal finance through Overclockers, rather than Paypal? Much easier and less interest I believe.

It says you don't pay interest if you buy something over £150 and clear that amount within 4 months, so no interest charged.

Andy_Curtis · 17 Nov 2017 at 15:21

moogle said:
It says you don't pay interest if you buy something over £150 and clear that amount within 4 months, so no interest charged.

Ah, well not a bad deal at all then

I bet the interest is mad if you don't clear it on 4 months though

moogle · 17 Nov 2017 at 15:44

Andy_Curtis said:
Ah, well not a bad deal at all then I bet the interest is mad if you don't clear it on 4 months though

yeah course it will be! but if you're getting it you should be planning to pay it off in full before then or at least have the money ready before then.

hyperseven · 17 Nov 2017 at 15:57

pigeonguyuk said:
i GOT IT CONFIRMED. GOT MY CREDIT AND LOOKED AT DOING A DUMMY PURCHASE SO LETS HOPE NOTHING CHANGES BEFORE BLACK FRIDAY OR ocuk WILL LOSE OUT

On the lookout for a new keyboard?

pigeonguyuk · 17 Nov 2017 at 16:20

lol typed from my phone so thats why didnt notice CAPITALS. If id have been accepted for the normal credit id have spanked 2k+ on a new build already including watercooling lol. Seems paypal use their own credit scoring or maybe taking into consideration previous transaction history as it was approved very easily. The interest % is a lot less then my crappy credit card so it was the better choise to snap up a few deals.