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Moderator
Shogun
Posts: 10,915
Registered: ‎04-15-2011

GEMB/Paypal

Just noticed I got softed by GEMB/Paypal.  I don't have one of those, wonder if an offer is headed my way?


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Going for Wade64's RUDY Spade!
Mega Contributor
Creditaddict
Posts: 16,868
Registered: ‎10-23-2007

Re: GEMB/Paypal


Shogun wrote:

Just noticed I got softed by GEMB/Paypal.  I don't have one of those, wonder if an offer is headed my way?


Have you signed in to your PayPal account?

They Pull TU, if you have 699 Fico, depending on other GE accounts you have (any?) and other lines you have, you could see a substantial CL and a VERY nice CLI between 2-4 months if you keep other credit and especially this paypal credit looking good. GE is known for the first CLI being auto, then you ask every 4-6 after that, always SP.

I got $2k instant PayPal MC back at end of 2011... then added about 10 other GE cards, but no one else gave me the Visa/MC/Amex/Discover version just store, so was surprised for the paypal. Rewards not bad either if you get MasterCard and use outside of paypal

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Moderator
Shogun
Posts: 10,915
Registered: ‎04-15-2011

Re: GEMB/Paypal

They pulled a soft on EQ.  I haven't updated it in my siggy for EQ yet but it's higher than what it shows. :smileyhappy:  I have one paid baddie on my TU that falls off in Nov. so I've just been staying in the garden.  Figured I'd do a small app spree after the first of the year.


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Going for Wade64's RUDY Spade!
Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: GEMB/Paypal

I got approved too at the end of 2011. It was literally a 30 second decision as they say it is! $2k with a 673 score.. got an AUTO CLI to $4,400 at three months after PIF each month, then another cli to $7,000 through the backdoor num per my request. I only got this card for util, but it turns out that it's very good.. I get random statement credits all the time for simple things, such as adding an AU user (worth $20 to them). I even got a $25 Sbux gift card the other day for redeeming 2,970 points. you get 3pts per dollar on gas/restaurants, which is mostly where I spend.

 

The lowest APR is 19.99%. The other APR is 23.99%. So either way, I'd limit any balance carrying if you get it! Mine was a HP on TU btw.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k

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