What are the cons of PayPal Pay in 4?

Can you elaborate on the potential drawbacks of using PayPal Pay in 4? Are there any hidden fees or interest rates that users should be aware of? Additionally, is there a risk of accumulating debt if payments are not made on time? Furthermore, how does PayPal Pay in 4 impact credit scores, and are there any limitations on the types of purchases that can be made using this service? Lastly, are there any reports of security issues or scams associated with PayPal Pay in 4?