topic Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!! in Credit Card Approvals

PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Marz2002 — Mon, 13 May 2019 21:04:03 GMT

Member reporting on this Forum has motivated me to keep track of my CLI requests with the help of a spreadsheet.

So, according to my spreadsheet, it is time to request a CLI and I hit the LUV button and received a $2,000 CLI on my Paypal 2% MC!

It's my daily spend card and $600 - $800 is billed on my monthly statements and I always PIF. According to Synchrony, my FICO 8 Score is 734 as of May 7th. Util is 6%.

Card was approved on April 30, 2018 with a $700 SL (2nd card Approval in Rebuild Project). So, $700 to $10,000 in a year - this card does Grow FAST!

Many, many Thanks to the myFICO family for your generous sharing of information and experiences!!!

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Anonymous — Mon, 13 May 2019 20:59:56 GMT

Congrats on the CLI!!

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Marz2002 — Mon, 13 May 2019 21:02:39 GMT

@Anonymous wrote:
Congrats on the CLI!!

Thanks Hasselfree, CLIs are always Good!

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Anonymous — Mon, 13 May 2019 21:04:32 GMT

Congratulations on the huge CLI!

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

CreditMagic7 — Mon, 13 May 2019 21:05:45 GMT

Congratulations! and Yes! it can grow very well.

Almost wish i didn't close mine but with Ebates + Sams Club and others, the pile was stacking up a bit much when it came trim time.

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Marz2002 — Mon, 13 May 2019 21:13:40 GMT

@Anonymous wrote:
Congratulations on the huge CLI!

, I remember you getting a PayPal 2% MC CLI to $8K around the same time I received mine for $8K in January!

Isn't it time you hit the LUV button?

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Anonymous — Mon, 13 May 2019 21:16:43 GMT

@Marz2002 wrote:
@Anonymous wrote:
Congratulations on the huge CLI!

@Saeren, I remember you getting a PayPal 2% MC CLI to $8K around the same time I received mine for $8K in January!

Isn't it time you hit the LUV button?

I hit it earlier this month and no candy yet. I actually got the card approved in January with an $8K SL right out of the gate so maybe they’ll open up next month. I am going to try Amazon first though, I might need it for computer parts later this year and I’m hoping I can bring that $2200 to $5000.

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Marz2002 — Mon, 13 May 2019 21:17:41 GMT

@CreditMagic7 wrote:
Congratulations! and Yes! it can grow very well.

Almost wish i didn't close mine but with Ebates + Sams Club and others, the pile was stacking up a bit much when it came trim time.

Thanks @CreditMagic7, I am looking forward to the time when I will have a 'pile.'

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

credit_endurance — Mon, 13 May 2019 21:20:38 GMT

Congrats Marz2002 on the progress! Enjoy 😊

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Marz2002 — Mon, 13 May 2019 21:26:59 GMT

@Anonymous wrote:
@Marz2002 wrote:
@Anonymous wrote:
Congratulations on the huge CLI!

@Saeren, I remember you getting a PayPal 2% MC CLI to $8K around the same time I received mine for $8K in January!

Isn't it time you hit the LUV button?
I hit it earlier this month and no candy yet. I actually got the card approved in January with an $8K SL right out of the gate so maybe they’ll open up next month. I am going to try Amazon first though, I might need it for computer parts later this year and I’m hoping I can bring that $2200 to $5000.

Thanks @Saeren, my friend. It was after the 4th statement cut that I received my 1st CLI - a $1K auto CLI. And, to be honest with you, I hadn't been to CLI class yet, back then.

Sounds like a Good Plan for your Amazon card!

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Anonymous — Mon, 13 May 2019 21:31:53 GMT

@Marz2002 wrote:
@Anonymous wrote:
@Marz2002 wrote:
@Anonymous wrote:
Congratulations on the huge CLI!

@Saeren, I remember you getting a PayPal 2% MC CLI to $8K around the same time I received mine for $8K in January!

Isn't it time you hit the LUV button?
I hit it earlier this month and no candy yet. I actually got the card approved in January with an $8K SL right out of the gate so maybe they’ll open up next month. I am going to try Amazon first though, I might need it for computer parts later this year and I’m hoping I can bring that $2200 to $5000.
Thanks @Saeren, my friend. It was after the 4th statement cut that I received my 1st CLI - a $1K auto CLI. And, to be honest with you, I hadn't been to CLI class yet, back then.

Sounds like a Good Plan for your Amazon card!

I think the huge SL probably put me more in the 6-7 month CLI track, especially since this was less than two weeks after Sync issued me my Amazon Store Card at $1800 as my first card with them. I’m okay with it, I didn’t actually plan on trying to grow it until others told me they have very high Sync to income exposure because the Amazon card is the priority - computer parts for my Zen 2 gaming machine this year, new TV next year.

PayPal card gets a couple hundred a month in spend on heavy months since I do most of my shopping on Amazon.

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Marz2002 — Mon, 13 May 2019 21:35:13 GMT

@credit_endurance wrote:
Congrats Marz2002 on the progress! Enjoy 😊

Thanks @bruisedcredit, always good to hear from you! Yes, I am enjoying the accomplishment!

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Marz2002 — Mon, 13 May 2019 21:53:13 GMT

@Anonymous wrote:
@Marz2002 wrote:
@Anonymous wrote:
@Marz2002 wrote:
@Anonymous wrote:
Congratulations on the huge CLI!

@Saeren, I remember you getting a PayPal 2% MC CLI to $8K around the same time I received mine for $8K in January!

Isn't it time you hit the LUV button?
I hit it earlier this month and no candy yet. I actually got the card approved in January with an $8K SL right out of the gate so maybe they’ll open up next month. I am going to try Amazon first though, I might need it for computer parts later this year and I’m hoping I can bring that $2200 to $5000.
Thanks @Saeren, my friend. It was after the 4th statement cut that I received my 1st CLI - a $1K auto CLI. And, to be honest with you, I hadn't been to CLI class yet, back then.

Sounds like a Good Plan for your Amazon card!
I think the huge SL probably put me more in the 6-7 month CLI track, especially since this was less than two weeks after Sync issued me my Amazon Store Card at $1800 as my first card with them. I’m okay with it, I didn’t actually plan on trying to grow it until others told me they have very high Sync to income exposure because the Amazon card is the priority - computer parts for my Zen 2 gaming machine this year, new TV next year.

PayPal card gets a couple hundred a month in spend on heavy months since I do most of my shopping on Amazon.

I don't think I have seen a PP 2% MC SL larger than yours. It's Great that you received that LARGE SL 2 weeks after your 1st card with Synchrony. As far as I am concerned, ALL of my cards are CLI targeted, if it's a SP.

My current goal is to get my credit in shape for a house purchase in the next 2 years. I put everything on CCs except rent because there is a $20 extra charge for rent payment. CashBack is my CC focus.

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Anonymous — Mon, 13 May 2019 22:17:16 GMT

@Marz2002 wrote:
@Anonymous wrote:
@Marz2002 wrote:
@Anonymous wrote:
@Marz2002 wrote:
@Anonymous wrote:
Congratulations on the huge CLI!

@Saeren, I remember you getting a PayPal 2% MC CLI to $8K around the same time I received mine for $8K in January!

Isn't it time you hit the LUV button?
I hit it earlier this month and no candy yet. I actually got the card approved in January with an $8K SL right out of the gate so maybe they’ll open up next month. I am going to try Amazon first though, I might need it for computer parts later this year and I’m hoping I can bring that $2200 to $5000.
Thanks @Saeren, my friend. It was after the 4th statement cut that I received my 1st CLI - a $1K auto CLI. And, to be honest with you, I hadn't been to CLI class yet, back then.

Sounds like a Good Plan for your Amazon card!
I think the huge SL probably put me more in the 6-7 month CLI track, especially since this was less than two weeks after Sync issued me my Amazon Store Card at $1800 as my first card with them. I’m okay with it, I didn’t actually plan on trying to grow it until others told me they have very high Sync to income exposure because the Amazon card is the priority - computer parts for my Zen 2 gaming machine this year, new TV next year.

PayPal card gets a couple hundred a month in spend on heavy months since I do most of my shopping on Amazon.
I don't think I have seen a PP 2% MC SL larger than yours. It's Great that you received that LARGE SL 2 weeks after your 1st card with Synchrony. As far as I am concerned, ALL of my cards are CLI targeted, if it's a SP.

My current goal is to get my credit in shape for a house purchase in the next 2 years. I put everything on CCs except rent because there is a $20 extra charge for rent payment. CashBack is my CC focus.

I brought my TU score up from 652 when I got the Amazon approval to 706 when I went for the PayPal, that’s probably got something to do with it.

I think I have seen one or two get $10K for their SL on the PayPal but their income was comfortably in the six digits, it’s definitely something pretty remarkable for my $18K level.

As for the CLIs, I may still want some more Sync products so I’m being a bit careful. PayPal Credit and the Marvel card are both potentially on my radar. The Marvel is attractive as an option to get instead of taking a triple pull for Savor/Savor One and PayPal Credit for the hidden TL and 0% if paid in 6 months offers could be nice. Once I’ve decided what I’m doing there, I’ll push the requests a bit higher.

I put everything I can on my cards too. Rent doesn’t go on them because the cash back is outweighed by PayPal fees for using a credit card with Friends and Family — but I will be paying that way next quarter with Disco since it’s still 2% after the 2.9% + $.30 fee. I squeeze all the cash back I can - doesn’t matter if it’s 5% or .5% as long as minimum redemptions don’t spread it too thin.

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

pinkandgrey — Mon, 13 May 2019 22:58:05 GMT

That’s a great increase! These 2% cards are great, eh? Congrats!!

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

AverageJoesCredit — Mon, 13 May 2019 23:59:46 GMT

Congrats 10 thousand Seconds to Marz

10k inch Nails, It

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

credit_is_crack — Tue, 14 May 2019 00:41:49 GMT

Congrats on the CL and moving it from $700 to $10,000 in a year is sweet! And don’t worry that pile will sneak up right on you lol

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

M_Smart007 — Tue, 14 May 2019 01:05:31 GMT

" $700 to $10,000 in a year "

Congrats !!!

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Marz2002 — Tue, 14 May 2019 01:24:02 GMT

@Anonymous wrote:
@Marz2002 wrote:
@Anonymous wrote:
@Marz2002 wrote:
@Anonymous wrote:
@Marz2002 wrote:
@Anonymous wrote:
Congratulations on the huge CLI!

@Saeren, I remember you getting a PayPal 2% MC CLI to $8K around the same time I received mine for $8K in January!

Isn't it time you hit the LUV button?
I hit it earlier this month and no candy yet. I actually got the card approved in January with an $8K SL right out of the gate so maybe they’ll open up next month. I am going to try Amazon first though, I might need it for computer parts later this year and I’m hoping I can bring that $2200 to $5000.
Thanks @Saeren, my friend. It was after the 4th statement cut that I received my 1st CLI - a $1K auto CLI. And, to be honest with you, I hadn't been to CLI class yet, back then.

Sounds like a Good Plan for your Amazon card!
I think the huge SL probably put me more in the 6-7 month CLI track, especially since this was less than two weeks after Sync issued me my Amazon Store Card at $1800 as my first card with them. I’m okay with it, I didn’t actually plan on trying to grow it until others told me they have very high Sync to income exposure because the Amazon card is the priority - computer parts for my Zen 2 gaming machine this year, new TV next year.

PayPal card gets a couple hundred a month in spend on heavy months since I do most of my shopping on Amazon.
I don't think I have seen a PP 2% MC SL larger than yours. It's Great that you received that LARGE SL 2 weeks after your 1st card with Synchrony. As far as I am concerned, ALL of my cards are CLI targeted, if it's a SP.

My current goal is to get my credit in shape for a house purchase in the next 2 years. I put everything on CCs except rent because there is a $20 extra charge for rent payment. CashBack is my CC focus.
I brought my TU score up from 652 when I got the Amazon approval to 706 when I went for the PayPal, that’s probably got something to do with it.

I think I have seen one or two get $10K for their SL on the PayPal but their income was comfortably in the six digits, it’s definitely something pretty remarkable for my $18K level.

As for the CLIs, I may still want some more Sync products so I’m being a bit careful. PayPal Credit and the Marvel card are both potentially on my radar. The Marvel is attractive as an option to get instead of taking a triple pull for Savor/Savor One and PayPal Credit for the hidden TL and 0% if paid in 6 months offers could be nice. Once I’ve decided what I’m doing there, I’ll push the requests a bit higher.

I put everything I can on my cards too. Rent doesn’t go on them because the cash back is outweighed by PayPal fees for using a credit card with Friends and Family — but I will be paying that way next quarter with Disco since it’s still 2% after the 2.9% + $.30 fee. I squeeze all the cash back I can - doesn’t matter if it’s 5% or .5% as long as minimum redemptions don’t spread it too thin.

TU Score from 652 to 706 in a couple of weeks?!? Congratualtions, that's Amazing!!!

I Agree, for your income level, an $8,000 SL is definitely Remarkable!!!

I started my Rebuild journey on April 4, 2018 with a Experian FICO8 685 Score, a 2 YR old OpenSky CC with a $300 CL and a 3 month old car loan with VW Credit.

Regarding your Sync CLIs, I understand your strategy since you have other Sync lending products in mind. I am only interested in the PayPal Credit 'hidden' TL, the Utilization Helper - Care Credit, and the only 2% CB CC I have so far - PP 2% MC.

Great strategy for your CashBack Plan!

Re: PayPal 2% MasterCard CLI - $8,000 to $10,000!!

Anonymous — Tue, 14 May 2019 01:33:45 GMT

I don’t want to get your thread Smorg’d so I’m just going to congratulate on your rebuild - I didn’t get serious about mine until March of last year. Started off at 647 TU/680 EQ/670 EX. Come a long way thanks to the info I picked up when I joined here in September!

I will take a shot at the PayPal CLI again next month and see what happens 😂