Pay Pal Credit

[morgacj2004]

I guess I have very limited use for this product as it does not report and I am working on improving my credit profile so I can purchase a condo. The only thing that might appeal to me is the 0 APR for six months.

[Anonymous]

just wondering does anyone know if pp checks all 3 CRA's or is it just one, if only one they look at then which one pls? thanks oh, and what is the min score they accept?

[Anonymous]

Mmm this sounds like a great opportunity. Does anyone have any negatives or reasons not to get the card?

[Anonymous]

I do, I am working hard now in rebuilding my credit. My scores now are not the best. For the first time in my life I have a credit card but it's secured with my bank. I need at least 2 more trade lines to get my scores to improve significantly. I will be getting another secured card with my bank next week and have an acct with Fingerhut with a $230.00 limit but really don't want to use FH bc all of their merchandise is jacked up like 60% more which is outrageous.

As of 7-24-15

EQ 575, TU 593, EX 628

[onstar]

---

@CreditCuriousity wrote:

@Anonymous if you have a CL of $1k you know you can charge that, but lets say you try to buy something for 1.6k it will either go through or it won't, if it goes through then 1.6k is your new CL.  rinse and repeat.. That is how you get 4-5k CL with paypal credit that are hidden.  @3k myself started out at 1k I believe 4 months ago approx?

---

Yup. Here is the exact wording from paypal when you click on the [?] next to Available Credit:

"Available credit

This is the amount you have left to spend

Need a little extra? Good news. When you check out with PayPal Credit, if you don't have enough available credit to cover your purchase, your account is instantly reviewed to see if you qualify for an increase. And if it can't be done, we'll let you know why.

Either way, it won't affect your credit report and there are no fees or penalties for trying."

Also, my available credit is some funky odd number, not a round number. I guess this is the most that I ever owed PayPal Credit at one point in the past.