PayPal Smart Connect Question

[Techsavvy]

Hi, I am very interested in applying for a Paypal SC account and already have a Walmart card with a $600 limit that I got 5/13. Out of curiosity what was your or anyone that would like to chime in TU's credit store at the time of app since that is who GE pulls from. My credit karma TU is 607, EQ FICO 601 and waiting on Walmart TU FICO to update. Don't want to do a HP if my chances are very slim to none. Thanks!

[CreditExpressNJ]

i would say go for it if your approved for 1 GE acct usually youll get approved for others at least in my case it was... i had a 699 and applied for 5 different acct over a weeks period and approved for them all they are in my SIG below

[Techsavvy]

Ok I think I will. My util on my credit cards are at 16% and I have been paying off my cards on time and avoiding interest. But I did get dinged for the inquires and new accounts initially but it should start increasing soon. Thanks for the response!

[fokay1]

NEVER OBTAIN A SMART CONNECT CARD.  YOU CAN NOT SET UP FOR AUTO PAY AND WILL BE DINGED ON YOUR CREDIT IF YOU ARE NOT ABLE TO PAY DUE TO BEING STATIONED OVERSEAS AND IF YOU OPT TO BUY FROM A NEW EBAY SELLER YOU CHECKING ACCOUNT WILL BE DRAFTED......I ENROLLED IN ONE AND LINKED IT TO MY EBAY. I PURCHASED AN ITEM THAT  WAS NEW TO EBAY AND EBAY DECLINED MY SMART CONNECT AND USED MY BANK ACCOUNT.   IN THE MEAN TIME I HAD PAID SMART CONNECT FOR THE PURCHASE - NOT WANTING A BALANCE DUE TO TRAVELING (ALSO MY SON FORGOT TO PAY HIS ACCOUNT BECAUSE HE WAS IN THE MIDDLE EAST AND HIS CREDIT TOOK A LARGE DING--PAY PAL SMART CONNECT DOES NOT ALLOW YOU TO SET UP AUTO PAYMENTS)   IT APPEARS THAT THEY WANT THE LATE FEES AND LARGE INTEREST CHARGES.... ANYWAY I DISCOVERED THAT IF A SELLER IS NEW TO EBAY THEIR MONIES IS HELD FOR A WHILE TO INSURE CUSTOMER'S ARE HAPPY.  THIS IS WHY SMART CONNECT OPTED TO CHARGE MY BANK THE FEE.    SO NOW I HAVE A CREDIT BALANCE WITH SMART CONNECT AND A SUBTRACTION FROM MY BANK ACCOUNT......JUST GO TO BARCLAY CARD   THEY ARE FLEXIBLE.  MY SON DID AND HE HIS HAPPY.  MY SMART CONNECT WILL SIT COLLECTING DUST.  IF IF CLOSE IT MY SCORES WILL BE IMPACTED        I SENT EBAY A LETTER REGARDING THEIR CONDUCT IN MY MATTER AND RECEIVED 0 BACK....SO MUCH FOR EBAY AND SMART CONNECT 

[09Lexie]

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@fokay1 wrote:

NEVER OBTAIN A SMART CONNECT CARD.  YOU CAN NOT SET UP FOR AUTO PAY AND WILL BE DINGED ON YOUR CREDIT IF YOU ARE NOT ABLE TO PAY DUE TO BEING STATIONED OVERSEAS AND IF YOU OPT TO BUY FROM A NEW EBAY SELLER YOU CHECKING ACCOUNT WILL BE DRAFTED......I ENROLLED IN ONE AND LINKED IT TO MY EBAY. I PURCHASED AN ITEM THAT  WAS NEW TO EBAY AND EBAY DECLINED MY SMART CONNECT AND USED MY BANK ACCOUNT.   IN THE MEAN TIME I HAD PAID SMART CONNECT FOR THE PURCHASE - NOT WANTING A BALANCE DUE TO TRAVELING (ALSO MY SON FORGOT TO PAY HIS ACCOUNT BECAUSE HE WAS IN THE MIDDLE EAST AND HIS CREDIT TOOK A LARGE DING--PAY PAL SMART CONNECT DOES NOT ALLOW YOU TO SET UP AUTO PAYMENTS)   IT APPEARS THAT THEY WANT THE LATE FEES AND LARGE INTEREST CHARGES.... ANYWAY I DISCOVERED THAT IF A SELLER IS NEW TO EBAY THEIR MONIES IS HELD FOR A WHILE TO INSURE CUSTOMER'S ARE HAPPY.  THIS IS WHY SMART CONNECT OPTED TO CHARGE MY BANK THE FEE.    SO NOW I HAVE A CREDIT BALANCE WITH SMART CONNECT AND A SUBTRACTION FROM MY BANK ACCOUNT......JUST GO TO BARCLAY CARD   THEY ARE FLEXIBLE.  MY SON DID AND HE HIS HAPPY.  MY SMART CONNECT WILL SIT COLLECTING DUST.  IF IF CLOSE IT MY SCORES WILL BE IMPACTED        I SENT EBAY A LETTER REGARDING THEIR CONDUCT IN MY MATTER AND RECEIVED 0 BACK....SO MUCH FOR EBAY AND SMART CONNECT 

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Sorry this happened to you.  However, many posters have been satisfied with their PPLSC.  While your post is informative, it should not be accepted as blanket statement 'never obtain a smart connect'

[notfancy]

oops.... old thread replied to the wrong thing