Credit Card Center Advertiser Disclosure

Established Member
Posts: 15
Registered: ‎11-28-2011
0 Kudos

Paypal smart connect CLI denied

Hello everyone!  I was denied a CLI on my Paypal smart connect card and the reason stated was  " insufficient experience at your current credit line".  I have had my account for 1 year and started with a $600 limit and was increased to $900 shortly after I opened it without requesting it.  I have used it several times and paid off balance within 1-2 months in full and sometimes didn't even carry a balance at allI was hoping for a higher limit for holiday time to take advantage of no interest offers....and the letter didn't even include credit score info like other GE cli letters and who they  pulled from.  Weird...anyone ever got this reason before?  What could I say to get a recon and is it even possible?  Thanks in advance for any guidance!!  

Starting Score: 6??
Current Score: Walmart TU 640-7/12, Experian 717-3/12
Goal Score: 720+

Take the FICO Fitness Challenge
Established Contributor
Posts: 599
Registered: ‎03-10-2012
0 Kudos

Re: Paypal smart connect CLI denied

probably an auto-rejection based on the amount of time, so they didn't even pull your report. Technically you have to wait 4 months to ask for a cli, though they can give you an auto-cli at anytime. I remember when i tried to ask for a cli 3 months after my last, i got the same response, and no score. When i get a counter offer and reject, i get a letter giving me my score.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Valued Contributor
Posts: 1,989
Registered: ‎06-25-2012
0 Kudos

Re: Paypal smart connect CLI denied

paypal smart connect give 0% financing offers? i was approved for PPSC for 300 and was auto cli to 2200 and only used it one and for about $56

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Member
Posts: 27
Registered: ‎09-21-2011
0 Kudos

Re: Paypal smart connect CLI denied

Call the underwriter number and ask for an increase...I'm sure you can find it here on the boards somewhere.  I have only had my card since July 2012 started with 500 was auto increased to 600, last month I called the underwriters and was increased to 1200 and 3 days ago increased to 4000 Smiley Happy....i will ask for another increase sometime in January.

EQ MyFico: 679 4/19/2014
EX Fico: 687 4/10/2014
Discover Fico: 694 5/4/2014
Walmart Fico: 662 4/5/2014

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.