There are serious problems with the payment options. In order to pay your PayPal credit bill you must link a bank account if you want to use the app. You are only able to use a debit card to pay if you call the automated system by phone. Normally this wouldn't be an issue but I cannot link a bank account. Services like Plaid to directly access accounts doesn't work if you have two-factor Authentication. Because I refuse to remove two-factor authentication, I have to call and pay with debit.