Paypal - GEMB

[ficonightmare]

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@Wolf3 wrote:

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@Anonymous wrote:

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@Wolf3 wrote:

I just applied last night, if you don't qualify for the MC, you are considered for PayPal Smart Connect (Credit for Pay Pay purchases only, like a store card).   I ended up with Smart Connect.     Less than 30 seconds.   Very simple application.

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Do you have to accept that Smart Connect offer? It's the biggest reason I am afraid to apply for that card even though I really want it. I just don't want to be stuck with that thing to hurt my AAoA, think it used to be called pp buyer credit.

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There was no option to apply for Master Card only, the account was available immediately.    I charged some things on it within a few minutes.  

So, as far as I can tell, you have to accept it!  

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When i apped, it was only for the MC.

Just went to their site: this is the link for the PaylPal Extras MC https://creditcenter.paypal.com/

Towards the top of the page there's a choice for the MC, PayPal Smart Connect, and Ebay MC.

[Anonymous]

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@Wolf3 wrote:

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@Anonymous wrote:

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@Wolf3 wrote:

I just applied last night, if you don't qualify for the MC, you are considered for PayPal Smart Connect (Credit for Pay Pay purchases only, like a store card).   I ended up with Smart Connect.     Less than 30 seconds.   Very simple application.

---

Do you have to accept that Smart Connect offer? It's the biggest reason I am afraid to apply for that card even though I really want it. I just don't want to be stuck with that thing to hurt my AAoA, think it used to be called pp buyer credit.

---

There was no option to apply for Master Card only, the account was available immediately.    I charged some things on it within a few minutes.  

So, as far as I can tell, you have to accept it!  

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Sigh... It's one of the reasons I hate GEMB. I really want there Chevron Visa card because it has great gas discount rewards forever, but if you don't qualify for it they might give you the store card which I would be fine with except that you only get those rewards for the first month and then it offers nothing. You also can never upgrade it to the visa.

[Anonymous]

I still have the 90 day fraud alert on my CRs, so I'm afraid of applying and getting a denial. Don't want to risk the INQ.. I'll probably hold off a while.

[Anonymous]

I use paypal a lot with my Etsy shop, and thought it would be helpful to have for my business. I was approved for the Paypal MC for 300.00. Not impressive, but it's a hearty seed for my credit garden.

Anyone know if they give good cli's?

[Anonymous]

They are GEMB so you can hit the luv button every 4 months basically.  My card started at $600 back in May and it's already at $900 and I didn't even have to request the CLI.

[Anonymous]

I was initially approved for a $3000 limit on the Paypal MC.  Limit was raised to $5800 after the first four statements cut.  It's been cli every four statements since then--always a generous cli. 

Best part of GEMB is that you can hit the cli request button every four months--inquiry is NEVER a hard.  GEMB has the most painless CLI request system going.

[Anonymous]

Nice, thank you both!