Pay Pal Credit

[Creditbuilder36]

I was browsing on the Qvc website and they have the pay pal credit option to pay when I clicked on it it's asking for the last 4 of my social and my birthday what exactly does that mean is the possibility of getting denied still there ?

[CreditCuriosity]

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@Creditbuilder36 wrote:
I was browsing on the Qvc website and they have the pay pal credit option to pay when I clicked on it it's asking for the last 4 of my social and my birthday what exactly does that mean is the possibility of getting denied still there ?

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HP against EQ for PayPal credit whether approved and/or denied.  Even with only asking last 4 of SSN

[CountryLivin]

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@Creditbuilder36 wrote:
I was browsing on the Qvc website and they have the pay pal credit option to pay when I clicked on it it's asking for the last 4 of my social and my birthday what exactly does that mean is the possibility of getting denied still there ?

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No matter what you app for, be it the SCT, or a pre-approval from a card company, or an app just asking for your last 4 of SS, you can still get denied.....when these companies sp your credit, it could be a month or more before you are given an offer......so if there are any changes in your credit profile, you can still be be denied and you can also get a hp.

[AverageJoesCredit]

Lesson learned hard way, my exploits with Discover did not go so well, never again though, im much wiser to the mailer tricks!

[Anonymous]

Pay Pal is stalking me. lol I keep getting offers from them. The one tonight is solid, I think, with terms and interest rate if not paid within the agreed time period.  Where were they when I needed them? lol I am not applying for several reasons, the most important of which I am in the garden.

[Creditbuilder36]

I figured that that's why I didn't apply I don't want the HP for pay pal ill wait on better offers that fit me

[RonM21]

There's nothing wrong with waiting either. Especially when it is because you are doing it until an offer that suits you comes available.

[CountryLivin]

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@Creditbuilder36 wrote:
I figured that that's why I didn't apply I don't want the HP for pay pal ill wait on better offers that fit me

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The only plus to PayPal is that it's a hidden tradeline, so your utilization won't be affected when you use it....and the interest is decent 19% and any purchase over $99 gets 6 months deferred interest.

[Anonymous]

What's the best PayPal credit offer? I thought everyone gets 19.99% APR and 6 months 0% for purchases over $99.99. I guess some of you are talking about the PayPal MC, not credit for online purchases only.

[Creditbuilder36]

As in something I may really need or something I want ~~> that's what I mean by best offer sorry for the misunderstanding.