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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: PayPal Mastercard APP

I doubt it would make for better chance of approval, it would be a HP.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
09Lexie
Posts: 24,093
Registered: ‎09-13-2012

Re: PayPal Mastercard APP

Exactly, the email is marketing. Just like the 50 Amex emails I get. Cause I'm in their database.
Contributor
Eyisila
Posts: 140
Registered: ‎12-31-2013

Re: PayPal Mastercard APP

I see this everytime I log into Paypal.  Now I know that everyone says it's a hard pull, but when I haven't given them my SSN, and the app only asks for last 4...is it really a hard pull? 

 

Is the "app" just a preliminary one to see if you qualify for the MC?  And if you do then you go through the entire "real" application, and if you don't then they possibly offer you the smart connect (or whatever it's called?). 

 

I'm so confused...and sorry to re-hash an older thread but I am in the  process of rebuilding and since Dec 2013 I have gone from 578 to 601 on my score watch score...and was wondering if I should app or try to app for this, but do not want that proverbial hit.

 

Thanks!!

 

 

Mega Contributor
Creditaddict
Posts: 18,484
Registered: ‎10-23-2007

Re: PayPal Mastercard APP


Eyisila wrote:

I see this everytime I log into Paypal.  Now I know that everyone says it's a hard pull, but when I haven't given them my SSN, and the app only asks for last 4...is it really a hard pull? 

 

Is the "app" just a preliminary one to see if you qualify for the MC?  And if you do then you go through the entire "real" application, and if you don't then they possibly offer you the smart connect (or whatever it's called?). 

 

I'm so confused...and sorry to re-hash an older thread but I am in the  process of rebuilding and since Dec 2013 I have gone from 578 to 601 on my score watch score...and was wondering if I should app or try to app for this, but do not want that proverbial hit.

 

Thanks!!

 

 


No I would not apply for pp mc with a 601

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
ENTERED GARDEN 07/07/2014 After getting auto loan
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... The List Goes On!
Mine: I have to many... (20+) They won't fit :smileytongue:
Contributor
Eyisila
Posts: 140
Registered: ‎12-31-2013

Re: PayPal Mastercard APP


Creditaddict wrote:

Eyisila wrote:

I see this everytime I log into Paypal.  Now I know that everyone says it's a hard pull, but when I haven't given them my SSN, and the app only asks for last 4...is it really a hard pull? 

 

Is the "app" just a preliminary one to see if you qualify for the MC?  And if you do then you go through the entire "real" application, and if you don't then they possibly offer you the smart connect (or whatever it's called?). 

 

I'm so confused...and sorry to re-hash an older thread but I am in the  process of rebuilding and since Dec 2013 I have gone from 578 to 601 on my score watch score...and was wondering if I should app or try to app for this, but do not want that proverbial hit.

 

Thanks!!

 

 


No I would not apply for pp mc with a 601


Yea I wasn't going to, I just found it curious that it's a hard pull, but only asks for my last 4. 

 

On another note, would there be a card that  you would suggest?  FYI, I have a few medical baddies on my report, 2 fairly recent pulls, Cap 1 Quicksilver One $500, Secured $300, NFCU goRewards $4000, and a couple of store cards...utilization around 45%.

 

Thanks!!

 

Mega Contributor
Creditaddict
Posts: 18,484
Registered: ‎10-23-2007

Re: PayPal Mastercard APP


Eyisila wrote:

Creditaddict wrote:

Eyisila wrote:

I see this everytime I log into Paypal.  Now I know that everyone says it's a hard pull, but when I haven't given them my SSN, and the app only asks for last 4...is it really a hard pull? 

 

Is the "app" just a preliminary one to see if you qualify for the MC?  And if you do then you go through the entire "real" application, and if you don't then they possibly offer you the smart connect (or whatever it's called?). 

 

I'm so confused...and sorry to re-hash an older thread but I am in the  process of rebuilding and since Dec 2013 I have gone from 578 to 601 on my score watch score...and was wondering if I should app or try to app for this, but do not want that proverbial hit.

 

Thanks!!

 

 


No I would not apply for pp mc with a 601


Yea I wasn't going to, I just found it curious that it's a hard pull, but only asks for my last 4. 

 

On another note, would there be a card that  you would suggest?  FYI, I have a few medical baddies on my report, 2 fairly recent pulls, Cap 1 Quicksilver One $500, Secured $300, NFCU goRewards $4000, and a couple of store cards...utilization around 45%.

 

Thanks!!

 


I don't think you should apply for anything more until you get util down and work on the baddies.

Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
ENTERED GARDEN 07/07/2014 After getting auto loan
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... The List Goes On!
Mine: I have to many... (20+) They won't fit :smileytongue:
Frequent Contributor
wacdenney
Posts: 391
Registered: ‎01-12-2014

Re: PayPal Mastercard APP


Creditaddict wrote:

Emdee_MD wrote:

Got another email for the Paypal mastercard App; and was looking at it, and it only asks for the last 4 of SS#. Does that mean that it would be a soft pull? 


You have Amazon and Walmart... PayPal is approved!  How long have you had them though?? need to be requesting CLI if over 4 months.


My new PayPal Extras MC was just links to my PayPal account yesterday.  I was going to go ahead and hit the luv button one time just for kicks to see what happened, but I can't seem to find one anywhere on the PayPal site.  How do you go about requesting a CLI on this card?

  
     
Mega Contributor
Creditaddict
Posts: 18,484
Registered: ‎10-23-2007

Re: PayPal Mastercard APP

Call credit solutions
Fico Scores: EQ 639 Navy, TU 667 GE, EX 677 Prosper (06-27-14)
ENTERED GARDEN 07/07/2014 After getting auto loan
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... The List Goes On!
Mine: I have to many... (20+) They won't fit :smileytongue:

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