I haven't had PayPal Credit card for long but have had to call customer service several times to dispute a transaction. First to talk to a real person you have to spend 20 minutes dealing with automated crap. Then once you get a person it's someone in India with an accent so thick you have to ask them to repeat everything. Also, I'm convinced they treat women worse than men. I called and the man was so rude to me he kept cutting me off and didn't listen to anything I said. My husband called and they were a lot nicer. If you're a woman don't get this card.