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Yes, it is an HP.
It is a HP and you are correct, it's a hidden TL. I got PayPal Credit when it was Bill Me Later and I haven't been disappointed. There are some good perks with having PayPal Credit but you have to research it for yourself to see if what they offer will benefit you.
@Anonymous wrote:Yes, it is an HP.
Thanks for the information!
Agreed - HP but worth it some situations. Just manage to the 0% grace period and it's not a bad source of credit. Not good for gardening, but free money is free money!