topic Re: Approved for PayPal Credit!!!! in Credit Card Approvals

Approved for PayPal Credit!!!!

Anonymous — Wed, 27 Aug 2014 19:51:30 GMT

Now to verify if this trade line is hidden like everyone says!!!!! If it is, I see my reported trade lines going down for a quick bump in my FICO

Re: Approved for PayPal Credit!!!!

Anonymous — Wed, 27 Aug 2014 20:00:11 GMT

Nice! Yep they're definitely hidden!

I always go real close to the CL lol I love to splurge with it.

Re: Approved for PayPal Credit!!!!

coldnmn — Wed, 27 Aug 2014 20:03:39 GMT

Congrats! Thanks for sharing.

Re: Approved for PayPal Credit!!!!

B335is — Wed, 27 Aug 2014 20:40:13 GMT

Congrats!!

Re: Approved for PayPal Credit!!!!

alvon123 — Wed, 27 Aug 2014 20:40:41 GMT

congrats

Re: Approved for PayPal Credit!!!!

Anonymous — Wed, 27 Aug 2014 21:52:08 GMT

What were your scores if you don't mind me asking and who did they pull. I keep getting offers to apply for their PayPal Extras MC but I'm in the garden. I'm still curious. Lol.

Re: Approved for PayPal Credit!!!!

Anonymous — Wed, 27 Aug 2014 21:52:24 GMT

Ohhh and congrats!

Re: Approved for PayPal Credit!!!!

IWOL — Wed, 27 Aug 2014 22:15:17 GMT

@Anonymous wrote:
Now to verify if this trade line is hidden like everyone says!!!!! If it is, I see my reported trade lines going down for a quick bump in my FICO

Im not suggesting any of you Paypal Credit holders do this but I noticed that even if you return an item that was approved over your credit limit, your credit limit will still remain at the level that included the returned purchase.

Re: Approved for PayPal Credit!!!!

TheGardner — Wed, 27 Aug 2014 22:31:25 GMT

Very nice, congrats!

Re: Approved for PayPal Credit!!!!

Anonymous — Thu, 28 Aug 2014 01:19:31 GMT

Congrats!

Re: Approved for PayPal Credit!!!!

Anonymous — Thu, 28 Aug 2014 02:02:03 GMT

@Anonymous wrote:
What were your scores if you don't mind me asking and who did they pull. I keep getting offers to apply for their PayPal Extras MC but I'm in the garden. I'm still curious. Lol.

Only 670 EQ so far has reported - maybe that will change in a day or two.

Also, I have the Comenity FRN MasterCard with a limit of $3k, PayPal Credit gave me another $3k so maybe they were trying to match it as I was told $3k for my limited credit history (.8 ) is pretty good for PayPal Credit.

Re: Approved for PayPal Credit!!!!

CardHunter — Thu, 28 Aug 2014 02:23:04 GMT

Congrats!

Re: Approved for PayPal Credit!!!!

creditFiend — Thu, 28 Aug 2014 02:55:11 GMT

Congrats

Re: Approved for PayPal Credit!!!!

Tony275 — Thu, 28 Aug 2014 09:05:03 GMT

Congrats!!

Re: Approved for PayPal Credit!!!!

dize — Thu, 28 Aug 2014 09:24:15 GMT

@IWOL wrote:
@Anonymous wrote:
Now to verify if this trade line is hidden like everyone says!!!!! If it is, I see my reported trade lines going down for a quick bump in my FICO
Im not suggesting any of you Paypal Credit holders do this but I noticed that even if you return an item that was approved over your credit limit, your credit limit will still remain at the level that included the returned purchase.

That's because paypal credit is weird. The way they give CLI's is by going over the limit. When you make a purchase that is over your current limit they either approve it or deny it. If they approve it, that is your new credit limit.

Re: Approved for PayPal Credit!!!!

Anonymous — Thu, 28 Aug 2014 10:25:41 GMT

Awesome! Thanks for the info!

Re: Approved for PayPal Credit!!!!

CelticLady — Thu, 28 Aug 2014 15:30:26 GMT

@dize wrote:
@IWOL wrote:
@Anonymous wrote:
Now to verify if this trade line is hidden like everyone says!!!!! If it is, I see my reported trade lines going down for a quick bump in my FICO
Im not suggesting any of you Paypal Credit holders do this but I noticed that even if you return an item that was approved over your credit limit, your credit limit will still remain at the level that included the returned purchase.

That's because paypal credit is weird. The way they give CLI's is by going over the limit. When you make a purchase that is over your current limit they either approve it or deny it. If they approve it, that is your new credit limit.

While you are correct that one way to get a CLI is to attempt to purchase something over your limit they also do auto-cli. I've gotten two auto-cli's since opening my account and I've never gotten close to my limit. I only use it a few times a year and usually for around 200-600 dollars but my limit is now up to $4400. Just wanted to add that data point.

Re: Approved for PayPal Credit!!!!

Anonymous — Thu, 28 Aug 2014 18:43:59 GMT

i got pissed because i did a recent purchase on ebay using my bill me later and all the sudden i see a hard inquiry for paypal credit (formally bill me later). with a different account number and everything. Im trying to contact both bill me later and paypal and ask them to remove the hard inquiry that i never applied for paypal credit because i already had one (bill me later) for almost 2 years now. So for now i guess im out of the fuc*ing garden until they remove it!

Re: Approved for PayPal Credit!!!!

Anonymous — Thu, 28 Aug 2014 20:38:14 GMT

Congrats!

Re: Approved for PayPal Credit!!!!

Anonymous — Fri, 29 Aug 2014 23:18:33 GMT

apparently I'm confuse but just went with what they said about ''we dont do hard inquiries.'' but i never get alerted for ''soft'' inquiries. I only get alerted for ''hard'' inquiries. They try to tell me you'll see it but will not count as an inquiry or have any effect on your score because ''we only soft'' inquiry. But i never had an inquiry unless i open a new credit or applied but they try tell me no they dont. Anyways, they said i might have made a mistake putting in my wrong birthdate so they automatically made a new account which result me a ''soft inquiry '' although it shows up on my credit report, they say will only happens once you first apply and then you'll never see it again on your credit report since they only do soft inquries. IM SO CONFUSE! but i'll wait and see later when i take a look at my credit report to see if my score were impacted at all. At least they going to roll over the credit line to my current one making it much larger.