Why won’t PayPal credit work?

I have been using Bill me later for years and I had to link my account to a PayPal account to use it on various sites. I’ve done that and the account shows in my PayPal summary page and it’s listed as the default payment but when I try to use it as a payment method I get this

 

Return to merchant and try a different payment method

 

We are not able to process your payment using your PayPal account at this time. Please return to the merchant’s website and try using a different payment method (if available).

 

Why? This is happening on all sites I try to pay with PayPal credit. Best Buy, Walmart, Ebay…

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