topic Re: PayPal MC Increase Issue? in Credit Card Applications

PayPal MC Increase Issue?

xXIDaShizIXx — Fri, 02 Aug 2019 14:35:55 GMT

When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?

Re: PayPal MC Increase Issue?

Jnbmom — Fri, 02 Aug 2019 14:46:36 GMT

What is your current limit with this card? If it is 10K, I believe the luv button will not work and you have to call the CS line to request an increase.

Re: PayPal MC Increase Issue?

xXIDaShizIXx — Fri, 02 Aug 2019 16:59:48 GMT

@Jnbmom wrote:
What is your current limit with this card? If it is 10K, I believe the luv button will not work and you have to call the CS line to request an increase.

It is $10k. I'll call and see what I can do.

Re: PayPal MC Increase Issue?

xXIDaShizIXx — Fri, 02 Aug 2019 17:05:22 GMT

Unfortunately, another denial. I'll let y'all know what the denial letter says.

Re: PayPal MC Increase Issue?

CreditInspired — Mon, 05 Aug 2019 12:03:22 GMT

@xXIDaShizIXx wrote:
When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?

In your denial letter it should state what CR was pulled and the score. That way you'll be able to tell if it’s a recent score or not.

Re: PayPal MC Increase Issue?

CreditInspired — Mon, 05 Aug 2019 12:16:53 GMT

@xXIDaShizIXx wrote:
When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?

What amount are you requesting? Have you tried lowering the amount requested?

Re: PayPal MC Increase Issue?

xXIDaShizIXx — Thu, 08 Aug 2019 15:29:43 GMT

@CreditInspired wrote:
@xXIDaShizIXx wrote:
When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?
What amount are you requesting? Have you tried lowering the amount requested?

I got the same reason. "We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I have requested a $5k increase, a $2.5k increase, and a $1k increase. Not really sure what is going on there. Customer service is not particularly helpful either.

Re: PayPal MC Increase Issue?

Medic981 — Thu, 08 Aug 2019 16:03:04 GMT

@xXIDaShizIXx wrote:
@CreditInspired wrote:
@xXIDaShizIXx wrote:
When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?
What amount are you requesting? Have you tried lowering the amount requested?
I got the same reason. "We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I have requested a $5k increase, a $2.5k increase, and a $1k increase. Not really sure what is going on there. Customer service is not particularly helpful either.

I have no specific knowledge here and I am just spitballing. Is your CC a World Elite Mastercard? Perhaps you need to PC your current CC?

Re: PayPal MC Increase Issue?

xXIDaShizIXx — Thu, 08 Aug 2019 16:04:12 GMT

@Medic981 wrote:
@xXIDaShizIXx wrote:
@CreditInspired wrote:
@xXIDaShizIXx wrote:
When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?
What amount are you requesting? Have you tried lowering the amount requested?
I got the same reason. "We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I have requested a $5k increase, a $2.5k increase, and a $1k increase. Not really sure what is going on there. Customer service is not particularly helpful either.
I have no specific knowledge here and I am just spitballing. Is your CC a World Elite Mastercard? Perhaps you need to PC your current CC?

No just a plain MC. It is really weird.

Re: PayPal MC Increase Issue?

Medic981 — Thu, 08 Aug 2019 16:07:45 GMT

My thought is WEMC start at $5000. I do not know too much about Synchrony's CCs but perhaps their CC is limited to $10,000 unless it is a WEMC. I am sure others more knowledgeable will weigh in.

Re: PayPal MC Increase Issue?

xXIDaShizIXx — Thu, 08 Aug 2019 16:09:32 GMT

@Medic981 wrote:
My thought is WEMC start at $5000. I do not know too much about Synchrony's CCs but perhaps their CC is limited to $10,000 unless it is a WEMC. I am sure others more knowledgeable will weigh in.

Thank you for your help though! I appreciate it!

Re: PayPal MC Increase Issue?

CreditInspired — Thu, 08 Aug 2019 16:54:29 GMT

@xXIDaShizIXx wrote:
@CreditInspired wrote:
@xXIDaShizIXx wrote:
When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?
What amount are you requesting? Have you tried lowering the amount requested?
I got the same reason. "We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I have requested a $5k increase, a $2.5k increase, and a $1k increase. Not really sure what is going on there. Customer service is not particularly helpful either.

Dang! 😭

Re: PayPal MC Increase Issue?

Anonymous — Thu, 08 Aug 2019 21:38:52 GMT

I had the same issue with the PayPal MC. I called the backdoor number, asked for 25k and got it.

Re: PayPal MC Increase Issue?

xXIDaShizIXx — Fri, 09 Aug 2019 13:16:54 GMT

@Anonymous wrote:
I had the same issue with the PayPal MC. I called the backdoor number, asked for 25k and got it.

Do you recall if it was a HP or SP?

Re: PayPal MC Increase Issue?

J-F168 — Fri, 09 Aug 2019 17:03:15 GMT

I have this card from last Oct. with a limit of 2.5k and never received an increase and low usage till yesterday when I called credit solutiions at 877-379-8173. I asked for 5k total and got it, also was a soft on TU.

Re: PayPal MC Increase Issue?

Anonymous — Fri, 09 Aug 2019 18:26:15 GMT

SP but your TU CR still needs to be unfrozen.

@xXIDaShizIXx wrote:

@Anonymous wrote:
I had the same issue with the PayPal MC. I called the backdoor number, asked for 25k and got it.

Do you recall if it was a HP or SP

Re: PayPal MC Increase Issue?

Namaste7 — Sat, 10 Aug 2019 15:09:30 GMT

@Anonymous wrote:
SP but your TU CR still needs to be unfrozen.

@xXIDaShizIXx wrote:
@Anonymous wrote:
I had the same issue with the PayPal MC. I called the backdoor number, asked for 25k and got it.
Do you recall if it was a HP or SP

Unfrozen & unlocked

Re: PayPal MC Increase Issue?

Anonymous — Sat, 10 Aug 2019 16:19:02 GMT

877-379-8175
this is the number I used after years of online being capped at 10K, it's a SP like most Sync products, and there's a 10K cap when requesting online or there was for many years... some have posted other cards that have exceeded 10K but, it's easier to call them instead of feeling defeated by the computer.

Calls last about 2-5 minutes and there's no questioning.

Re: PayPal MC Increase Issue?

xXIDaShizIXx — Wed, 14 Aug 2019 17:52:09 GMT

@Anonymous wrote:
877-379-8175
this is the number I used after years of online being capped at 10K, it's a SP like most Sync products, and there's a 10K cap when requesting online or there was for many years... some have posted other cards that have exceeded 10K but, it's easier to call them instead of feeling defeated by the computer.

Calls last about 2-5 minutes and there's no questioning.

So weird. I called and they said that my account was not eligible for any further increases, as that was all their policy allows for.

Re: PayPal MC Increase Issue?

FinStar — Wed, 14 Aug 2019 19:06:06 GMT

@Medic981 wrote:
@xXIDaShizIXx wrote:
@CreditInspired wrote:
@xXIDaShizIXx wrote:
When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?
What amount are you requesting? Have you tried lowering the amount requested?
I got the same reason. "We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I have requested a $5k increase, a $2.5k increase, and a $1k increase. Not really sure what is going on there. Customer service is not particularly helpful either.
I have no specific knowledge here and I am just spitballing. Is your CC a World Elite Mastercard? Perhaps you need to PC your current CC?

Just for clarification, SYNCB doesn't issue any WEMC or VI tiers for any of their CCs. The Sam's Club WMC is a targeted version as far as the MC tiers go. Specific to the PayPal MC multiple product versions, those are good ole Platinum 😁