PayPal Credit (not "PayPal") payment methods??

I just discovered there is something at eBay called Paypal Credit, as opposed to Paypal itself.

It's not a credit card, just a credit line from a Maryland bank for $250 minimum if you are accepted.

You can use it as a payment method when you buy something on eBay. I think you checkout through standard Paypal and then choose "Paypal Credit" as your "payment method" within Paypal.

Am I right about all of that?

Here's the more important question:

Say I buy a $50 item on eBay, checkout through Paypal, and choose Paypal Credit as the payment method.

Days or weeks later, they send me an electronic statement saying I owe $50.

How can I pay that?

I dug into their FAQs and see only this: "pay your balance due from either your PayPal balance or your bank account." Note that there is no mention of a credit card.

I deliberately have no Paypal balance.

I deliberately have no bank account linked to Paypal.

I DO have a credit card that is directly linked to Paypal. I've always paid for my infrequent eBay purchases with that, checking out through Paypal in the standard manner. Can I pay this "Paypal Credit" amount due by logging into Paypal and choosing my linked credit card?

Anyone with personal experience?

Let me answer my own questions for the benefit of others.

I called in to Paypal Credit's toll free customer service number and got a good guy who explained it all.

You CANNOT pay your balance due by a Paypal-linked credit card.

You can pay through any of these methods:

1: Traditional online "Bill Pay" as you might pay your cable TV or credit card balances through your bank or brokerage. You need to get your PayPal Credit account number to set up the Bill Pay, which you do by talking to PayPal Credit's customer service.

2: A PayPal-linked bank account

3: A PayPal existing balance

4: Mailing a check or money order to an Atlanta address

5: Using "e-Check", which I'd never heard of. You call the PayPal Credit customer service number and enter the amount due and the routing numbers found on a check from an existing traditional checking account. You can do this strictly through your phone keypad or you can talk to a human. You are sent a payment confirmation by email.

I'll be using method 1 unless I get brave enough to use method 5.

Over and out.

ThrashZone said:

Yea e-check is pretty common it's just using your check book and giving the routing numbers without the paper trail :)

PayPal is pretty nasty on the terms I bailed on using a credit card and would never give direct access to a bank account to them or anyone really besides possibly another bank c.c.

Thrash:

When you have used e-check, did you talk to a human over the phone---or did you do it purely by entering the necessary numbers with your phone keypad without actually speaking to anyone?

I'd assume not talking to a human might be more secure.

Any problems, foul-ups?

Did you get a confirmation of the transaction by email?