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Senior Contributor
Posts: 3,909
Registered: ‎10-02-2012
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Re: Oh yeah! Cli to $20,000 on Paypal MC!!

You have HIGH CL on all GE cards which is awesome. How do you do it? Is it your income, credit history, ect.. According to your name your youngandcreitworthy. so how do you do it!?!?!?! I cant even be added as an AU due to lack of public records. Tell us your secret. hahha

Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Re: Oh yeah! Cli to $20,000 on Paypal MC!!

I had a 670 something TU FICO at the time of initial approval. Now though, my FICOs range from 700-740'ish.

I really love GECRB; they have helped me get higher lines from most of my other creditors too.
Many of my GE and WFNNB accounts were some of my first in like 2007, and those lines have had a lot of time to grow! I do go on the occassional app spree though! Haha
The only thing I dislike about the Paypal MC is the interest rate!!! Haha
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

I just started building my credit when I was 18. I have low util; I have no missed payments on my credit history... There really is no fast or easy way.. I mean, I do have a higher income. I never have been added on as an AU to any account.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Posts: 3,909
Registered: ‎10-02-2012
0

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Lucky for you! I just turned 18 and have been added as an AU this month and hope to be in your feet by the time im in my 20's. Congrats on all your success, and thanks for sharing! :smileyhappy:

Frequent Contributor
Posts: 269
Registered: ‎03-15-2012
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Re: Oh yeah! Cli to $20,000 on Paypal MC!!

Can you please give us income too? Just so we can have an idea how much it played.....

Fico Scores: 763 EQ(12/11/12) 801 TU(02/06/15) 776 EX(02/14/2015)
AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K Discover it 6.5K Wells Fargo Cash Back $4.4K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Re: Oh yeah! Cli to $20,000 on Paypal MC!!

sure.... It's almost $100k. So my total credit lines > my income.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 1,396
Registered: ‎01-14-2009
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Re: Oh yeah! Cli to $20,000 on Paypal MC!!


youngandcreditwrthy wrote:
Be sure to call an underwriting number :-)

What number did you call?

Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: Oh yeah! Cli to $20,000 on Paypal MC!!

How is your paypal acct reporting??? how would lenders know that its a mastercard and not a store card??? Just curious cause i know chase doesnt count store cards on their approvals (correct me if im wrong) .... I finally have two 5k limits but only store cards and was wondering if this would help me on getting higher limits visa/MC

 


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
Posts: 642
Registered: ‎07-03-2012
0

Re: Oh yeah! Cli to $20,000 on Paypal MC!!


kobe2012 wrote:
How is your paypal acct reporting??? how would lenders know that its a mastercard and not a store card??? Just curious cause i know chase doesnt count store cards on their approvals (correct me if im wrong) .... I finally have two 5k limits but only store cards and was wondering if this would help me on getting higher limits visa/MC

 


For me it reports as GECRB/PPXTRM.


Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: Oh yeah! Cli to $20,000 on Paypal MC!!


Default4 wrote:

kobe2012 wrote:
How is your paypal acct reporting??? how would lenders know that its a mastercard and not a store card??? Just curious cause i know chase doesnt count store cards on their approvals (correct me if im wrong) .... I finally have two 5k limits but only store cards and was wondering if this would help me on getting higher limits visa/MC

 


For me it reports as GECRB/PPXTRM.


Oh ok...i wonder if lenders know it's a MC


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



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