If im buying things from free user using the Pawn Shop, i noticed it pays with credit... And if the user is free and credit is above the user limit, like im buying a key for 7 ref and free user limit is like 5... What happens then?

Just want to know, since i want to use the Pawn Shop mostly in my trades

They will have to pay with metal instead.

But an official notice: Pawn Shop will be abolished and replaced with a solution that is easier to use.