I don't see how you can use PayPal to move utilization around unless you're going to buy something large and liquidate it immediately to pay something else off.
There are credit models that show you can go over 50% on a single account and it does not tank your score… my carecredit is over 50% still. you just will not gain points in the following months by having them there.
Going back to my first statement yes I've always thought about cut a good deal with someone on Craigslist by buying them a new kitchen financed at 0% at lowes trade for a 1969 elcamino or whatever because you can't finance el camino at 0%. That's a huge gamble with the stranger of course but you have to pick your poison
