To be clear: it is stupidly obvious that when nobody has even heard of a thing called "Paypal Credit" and you see "pay with Paypal Credit" it sounds exactly lik

To be clear: it is stupidly obvious that when nobody has even heard of a thing called "Paypal Credit" and you see "pay with Paypal Credit" it sounds exactly like "pay with Paypal Balance" if you already have a balance. Why the hell would anyone ever use credit when they have funds in their Paypal balance‽ Because they were tricked into it and then assume that they are done… until they get the late fee.