This kind of garbage makes me angry.
This affirms my decision not to sign up for Google Pay. I buy a $20 card to buy Apps in the Play Store.
How on earth could these twits know anything about my credit worthiness based on an occasional internet purchase?
That may be considered disposable income, but an internet purchase certainly doesn’t reflect on my day to day purchases locally.
Now I wonder what Paypal tracks & reports. 
I learned long ago it’s essential to purchase online.