topic Re: PayPal Credit / PayPal Extras in Credit Card Applications

PayPal Credit / PayPal Extras

Anonymous — Sun, 02 Aug 2015 01:50:06 GMT

I guess I'm sort of out of the loop with this. I was in the approvals and someone got a CLI on their PayPal Credit. The lightbulb came on that there might be a difference in the two and Taxi let it be known that of course there's a difference.

So, I applied for the PayPal Credit, got an approval but apparently a rejection since I have the Extras (which is $5k anyway).

I will hold my head down in shame the rest of the night LOL.

Re: PayPal Credit / PayPal Extras

Spotsy — Sun, 02 Aug 2015 02:04:33 GMT

All is not lost. You now have a Paypal credit account that can be used at checkouts that support PayPal credit directly....but you cannot link it to your PayPal account as a form of payment since you already have a PayPal MC.

Re: PayPal Credit / PayPal Extras

NichelleN — Sun, 02 Aug 2015 02:08:17 GMT

That doesn't appear to be a rejection but rather an issue linking it to your account. I think I've read here that some just maintain more than one PayPal account, Anyway, I'm sure others who have both can chime in with an explanation as I don't want to relay wrong info. I've only applied for and received PayPal credit, which is awesome by the way

Re: PayPal Credit / PayPal Extras

Anonymous — Sun, 02 Aug 2015 02:06:39 GMT

@Spotsy wrote:
All is not lost. You now have a Paypal credit account that can be used at checkouts that support PayPal credit directly....but you cannot link it to your PayPal account as a form of payment since you already have a PayPal MC.

That's a good idea if it happens.

I really wasn't sad about the SP for the app. The $5k Extras is much more CL than I really need now anyway.

Re: PayPal Credit / PayPal Extras

Creditaddict — Sun, 02 Aug 2015 16:33:58 GMT

just create a 2nd paypal account and link this paypal credit to the new account.

I have 2 paypal accounts for that reason because I wanted the ebay mastercard but already had the paypal credit.

Re: PayPal Credit / PayPal Extras

Ron1 — Sun, 02 Aug 2015 19:52:13 GMT

Congrats!!! You need to call them to link your PayPal Credit to your PayPal.

Ron.

Re: PayPal Credit / PayPal Extras

Anonymous — Sun, 02 Aug 2015 20:01:21 GMT

@Ron1 wrote:
Congrats!!! You need to call them to link your PayPal Credit to your PayPal.

Ron.

Good idea, do you think they'll do that?

Re: PayPal Credit / PayPal Extras

Ron1 — Sun, 02 Aug 2015 21:17:48 GMT

@Anonymous wrote:
@Ron1 wrote:
Congrats!!! You need to call them to link your PayPal Credit to your PayPal.

Ron.
Good idea, do you think they'll do that?

Yes, they will. I did that when I got approved for PayPal MC.

Ron.

Re: PayPal Credit / PayPal Extras

Anonymous — Sun, 02 Aug 2015 22:35:12 GMT

@Ron1 wrote:
@Anonymous wrote:
@Ron1 wrote:
Congrats!!! You need to call them to link your PayPal Credit to your PayPal.

Ron.
Good idea, do you think they'll do that?
Yes, they will. I did that when I got approved for PayPal MC.

Ron.

I guess I don't see an advantage of the PayPal Credit over the MC so will leave it alone.

Re: PayPal Credit / PayPal Extras

taxi818 — Sun, 02 Aug 2015 23:22:23 GMT

@Anonymous wrote:
I guess I'm sort of out of the loop with this. I was in the approvals and someone got a CLI on their PayPal Credit. The lightbulb came on that there might be a difference in the two and Taxi let it be known that of course there's a difference.

So, I applied for the PayPal Credit, got an approval but apparently a rejection since I have the Extras (which is $5k anyway).

I will hold my head down in shame the rest of the night LOL.

Ooh my goodness.I remember telling you that you needed to change your email address in order to have both. Yikes!!!! As stated,This is not denial. you can't have more than 1 product in the same account even though different banks. they are both paypal. example ,Abc@gmail.com then Abc@yahoo.com

Re: PayPal Credit / PayPal Extras

Anonymous — Mon, 03 Aug 2015 02:46:50 GMT

Regular Paypal credit is a hidden tradeline, 6 months financing on 100 dollar purchase. Its ideal, but its a bummer if you have no visas or Mc, iget that

Re: PayPal Credit / PayPal Extras

Ron1 — Mon, 03 Aug 2015 03:06:44 GMT

@Anonymous wrote:
@Ron1 wrote:
@Anonymous wrote:
@Ron1 wrote:
Congrats!!! You need to call them to link your PayPal Credit to your PayPal.

Ron.
Good idea, do you think they'll do that?
Yes, they will. I did that when I got approved for PayPal MC.

Ron.
I guess I don't see an advantage of the PayPal Credit over the MC so will leave it alone.

It is a hiden TL. Most online merchants offer 6-12 months no interest for PayPal Credit.

Ron.

Re: PayPal Credit / PayPal Extras

taxi818 — Mon, 10 Aug 2015 23:44:43 GMT

I hoped you used your pay pal credit. i was now wondering. I already have a pay pal mc as well. only 3k limit. however i saw i could get the pay pal credit as well. But it only asked for the last 4 of my social. So i canceled the app. Is it hard pull as it is not a credit card per say. now im not sure.

Re: PayPal Credit / PayPal Extras

Anonymous — Tue, 11 Aug 2015 00:04:55 GMT

@taxi818 wrote:
I hoped you used your pay pal credit. i was now wondering. I already have a pay pal mc as well. only 3k limit. however i saw i could get the pay pal credit as well. But it only asked for the last 4 of my social. So i canceled the app. Is it hard pull as it is not a credit card per say. now im not sure.

Same for me, only asked for last 4 of SSN so I thought it was SP. However, after I applied, within 30 minutes CK informed me that a new INQ happened on EQ on 8/2. So, yes 100% certain it is HP.

Re: PayPal Credit / PayPal Extras

taxi818 — Tue, 11 Aug 2015 00:10:33 GMT

Thanks steel. Formally vulc. I will pass for sure. But I hope you did not give up on it. Being hidden. It allows you to send cash to friends too. I think.

Re: PayPal Credit / PayPal Extras

Anonymous — Tue, 11 Aug 2015 00:16:07 GMT

@taxi818 wrote:
Thanks steel. Formally vulc. I will pass for sure. But I hope you did not give up on it. Being hidden. It allows you to send cash to friends too. I think.

I was approved, but did not request to swap it on PayPal yet, but I know I should before next purchase on eBay.

By the way - I can run, but I can't hide

Re: PayPal Credit / PayPal Extras

taxi818 — Tue, 11 Aug 2015 00:16:01 GMT

I don't think you need to swap. I think you just need to add different email address. So have 2 email addresses and you will be good with both mc. And PayPal credit.

Re: PayPal Credit / PayPal Extras

Anonymous — Tue, 11 Aug 2015 00:16:52 GMT

@taxi818 wrote:
I don't think you need to swap. I think you just need to add different email address. So have 2 email addresses and you will be good with both mc. And PayPal credit.

I can do that too I guess.

Re: PayPal Credit / PayPal Extras

Anonymous — Tue, 11 Aug 2015 00:31:37 GMT

@taxi818 wrote:
Thanks steel. Formally vulc. I will pass for sure. But I hope you did not give up on it. Being hidden. It allows you to send cash to friends too. I think.

You are correct taxi. It does allow you to send money to friends. Excellent feature. In some cases, you can get 6 months at 0% interest. Woo hoo!

Re: PayPal Credit / PayPal Extras

Anonymous — Tue, 11 Aug 2015 00:33:24 GMT

@Anonymous wrote:
@taxi818 wrote:
Thanks steel. Formally vulc. I will pass for sure. But I hope you did not give up on it. Being hidden. It allows you to send cash to friends too. I think.
I was approved, but did not request to swap it on PayPal yet, but I know I should before next purchase on eBay.

By the way - I can run, but I can't hide

The benefit of using PP credit over the others is that it's a hidden TL, so it doesn't effect your utilization. I LOVE it!!!