<prompt> Human: Just noticed I owed paypal credit 4 but had never applied for a credit line with them. I almost always pay with debit.If you click through your puchases in sort of auto mode be careful. Paypal credit is showing up as the default for me on eBay even though I currently have a BALANCE with paypal .I see a lot of people who dont shop online often doing this and then forgetting to pay it, easy set up for fees.EDIT: There is no sign up for this, so I do not think it counts as a hard credit check. I checked credit karma and there were no new inquiries. They went from pestering you to sign up to making it the default payment option- just deciding to extend you credit.Edit 2: some people reporting it shows up as a hard hit on Equifax. ubigdaddynastypants reports it showing up as CCBPPCEdit 3: i probably applied without paying attention, maybe even entered last 4 social. certainly not deliberate, just that sorta autopilot you do on internets with accounts you already have.Assistant: They have been pushing me almost daily to sign up for Paypal credit and I keep saying no and looking for a way to set it to dont ask again but it keeps coming back.Human: set it to dont ask againWell, they just went straight to dont ask, assume. There is no sign up for this, so I do not think it counts as a hard credit check. I checked credit karma and there were no new inquiries.  <response>: Before you accept and submit everything youre supposed to read what boxes are and arent checked off. Thats how you got a paypal credit account. 