CCB/PPC stands for “Comenity Capital Bank/PayPal Credit.” If you see this on your credit report, it means one of two things. First, you may have applied for a PayPal Line of Credit, which gives you 6 months to pay off purchases of $99 or more. Or someone else could have applied for this line of credit in your name, which would be fraudulent and something you’d need to act on immediately.
Here’s what CCB/PPC means:
CCB/PPC is short for “Comenity Capital Bank/PayPal Credit.” PalPal Credit is a revolving line of credit from PayPal managed by Comenity Capital Bank.
PayPal Credit gives you 6 months to pay on purchases of $99 or more. If you pay in full within those 6 months, you pay no interest. If you don’t, you’ll owe interest at a 25.49% (V) APR dating back to when you made the purchase, like it was always there.
If you applied for a PayPal credit account, that would have generated a hard inquiry on your credit report, represented as “CCB/PPC.”
If you don’t use PayPal Credit, someone may have fraudulently opened an account in your name. In that case, you should call PayPal right away at 1-866-528-3733, dispute the records on your credit report, and consider filing an identity theft report.
PayPal Credit doesn’t have any kind of annual fee. But you’ll still pay a flat fee of 2.9% + $0.30 for each transaction you make. That’s the same fee you’d ordinarily pay when using a credit card or debit card to send money through PayPal.
“BBY/CBNA” is a credit report code that stands for Best Buy/Citibank North America. It refers to one of the Best Buy-branded credit cards issued by Citi. If you have such a card or recently applied for one, seeing this noted on your credit report is normal.
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