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GECRB Paypal Account Closed for late payment days

Established Member

GECRB Paypal Account Closed for late payment days

I had a Paypal account that was closed in April 2008 because I forgot to pay it for 90 days, but when they called I paid it. They closed the account anyways. I wanted to apply for a Walmart CC, but I see that they also use GECRB. Should I apply for the walmart card or will they just deny me for past delinquencies?


Starting Scores: EQ 621 EX 613 TU 603
05/04/2013: EQ 701 EX 663 TU 720 lender pull
Goal Score: 750 Across the board
In My Wallet Wells Fargo Platinum Visa $3000 Macy's $800 Victoria's Secret $730 Express $500

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Message 1 of 17
16 REPLIES
Senior Contributor

Re: GECRB Paypal Account Closed for late payment days


rbusch34 wrote:

I had a Paypal account that was closed in April 2008 because I forgot to pay it for 90 days, but when they called I paid it. They closed the account anyways. I wanted to apply for a Walmart CC, but I see that they also use GECRB. Should I apply for the walmart card or will they just deny me for past delinquencies?


More than likely it may not result in an approval but your results may vary.  The old account may still be "fresh" on their database considering the 2008 delinquency timeframe.  On the upside, you paid it off.  However, the only way to find out for sure is by applying to determine whether a cross-reference will trigger the PayPal record.

 

Some folks have had success over time with GECRB from their last known CO or delinquency when re-establishing a relationship with that specific store or any of their other related entities.

Message 2 of 17
Established Member

Re: GECRB Paypal Account Closed for late payment days

Thank you for the helpful insight!! Smiley Happy


Starting Scores: EQ 621 EX 613 TU 603
05/04/2013: EQ 701 EX 663 TU 720 lender pull
Goal Score: 750 Across the board
In My Wallet Wells Fargo Platinum Visa $3000 Macy's $800 Victoria's Secret $730 Express $500

Take the myFICO Fitness Challenge
Message 3 of 17
Valued Contributor

Re: GECRB Paypal Account Closed for late payment days

I think you'll be approved assuming no other recent deragotory items on your credit report.  Over four years and you paid?  I think your fine.  GE gives second chances, they pretty much have to to stay in business. 

Message 4 of 17
Valued Contributor

Re: GECRB Paypal Account Closed for late payment days

I discharged a GECRB Men's Wearhouse card in BK 11/2009.  Applied for and received instant approval on Walmart Discover (you just apply for Walmart, the "system" decides whether to give you the store card or Discover).  They pulled only TU which I had few INQs on at the time.  Received my first softpull CLI last month.  So I would try the Walmart card.  I haven't tried the Mens Wearhouse card since I BKed it.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Message 5 of 17
Epic Contributor

Re: GECRB Paypal Account Closed for late payment days

GE 2008 is different then the GE of today... You should have no issues getting a Walmart Card if the account in 2008 is paid off... you could probably get a PayPal card again too.

Message 6 of 17
Mega Contributor

Re: GECRB Paypal Account Closed for late payment days

I agree with the others here try for the walmart card, if you get approved then try for the paypal account.



EQ FICO 548 3/3/16
Message 7 of 17
Senior Contributor

Re: GECRB Paypal Account Closed for late payment days

ive heard of people going BK on GE accts and still approved for their other cards like JCP and wal mart, so the same might happen with you since they dont blacklist Smiley Happy

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
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Gardening Since 10/25/2017
Message 8 of 17
Established Member

Re: GECRB Paypal Account Closed for late payment days

Yay finally  gave in and applied for the walmart card and was approved :-) thanks for all of the help with this guys !!!!


Starting Scores: EQ 621 EX 613 TU 603
05/04/2013: EQ 701 EX 663 TU 720 lender pull
Goal Score: 750 Across the board
In My Wallet Wells Fargo Platinum Visa $3000 Macy's $800 Victoria's Secret $730 Express $500

Take the myFICO Fitness Challenge
Message 9 of 17
Mega Contributor

Re: GECRB Paypal Account Closed for late payment days


rbusch34 wrote:

Yay finally  gave in and applied for the walmart card and was approved :-) thanks for all of the help with this guys !!!!


CONGRATS!!! Smiley Happy

 

-Did you get the Discover?

-What CL did you get?




EQ FICO 548 3/3/16
Message 10 of 17