<human>: So apparently PayPal credit has pulled my credit info directly from my PayPal account and charged a payment that I thought I was making with my credit card via Paypal like I always do.  I have made efforts to avoid their strategically placed buttons for offers for PayPal credit for at least a year and have always thought that method of relying on consumer mis-clicks to get more credit sign-ups was quite near criminal.

At last, after all this time, PayPal's persistence has resulted in my error of just that type. So now two weeks later I have received a statement for my first required payment.  I called up PayPal credit to straighten out this load of shite and they say I've had the account open for almost a year and have not heard anything about it let alone fill out any sort of information or application to open up a credit line with them.  It seems if you accidentally click that PayPal credit or billmelater button it can automatically open a line of credit using the info from your regular pay pal account.

My question is this:  
will my credit take a hit now if I close this account and pay it off?  It has apparently been open for a year without any purchase activity until now? 
Could that period of inactivity also have an adverse effect on my credit?
Has anyone else here had issues with this as well?

Give me the gist of the text in a nutshell
<bot>: PayPal credit finally snagged me up and cinched me in their credit grab bag, what can I do if anything, to not affect my credit?