topic Re: PayPal Biz MC Approval in Business Credit

PayPal Biz MC Approval

imaximous — Wed, 29 Mar 2023 05:13:07 GMT

After seeing @SouthJamaica 's post, I decided to give this card a second look now that it earns 3% on PayPal purchases -- just like the personal PPMC.

I make a bunch of business purchases with merchants that take PayPal, so this card is going to get some heavy usage. I wish the SL was higher, but I suppose I could request a CLI in the future. Starting limit is $15k at 17.74% APR. I'm not planning to carry any balances, but I'm surprised about the 'low-ish' APR considering how 99% of my cards have gone up several points.

Now, I'm trying to get familiar with the online portal, but it's kinda odd. I still can't see the card under the main PayPal dashboard, so I'm not really sure how I'm supposed to access it in the future. For now, I've been pretending to apply for the card again, and that takes me back to the approval page, and from there, I go to the card's portal.

For those with the card, do you eventually see it on the main PayPal page or is it a separate site to log in? Because there's gotta be a direct way to access the account.

Re: PayPal Biz MC Approval

JoeRockhead — Wed, 29 Mar 2023 11:34:15 GMT

Nice SL and approval, congratulations on your new PayPal MC!

Re: PayPal Biz MC Approval

imaximous — Wed, 29 Mar 2023 14:14:33 GMT

Morning after approval:

I don't see the business card on the PayPal portal. I hope I won't have to log in to a different site to manage it.

But now my personal PPMC shows as "Business" on the main portal. Once I click on it, the name changes back to normal.

I hope this is just a glitch and it gets sorted out. I didn't read any rules, but also hope you're allowed to have both Personal and Business cards.

Maybe it just needs to update? Because it's still showing the invite to apply for the business card

Re: PayPal Biz MC Approval

TMDSCT — Wed, 29 Mar 2023 14:14:40 GMT

Congratulations on the approval and the nice SL

Re: PayPal Biz MC Approval

SouthJamaica — Wed, 29 Mar 2023 14:24:39 GMT

@imaximous wrote:
After seeing @SouthJamaica 's post, I decided to give this card a second look now that it earns 3% on PayPal purchases -- just like the personal PPMC.

I make a bunch of business purchases with merchants that take PayPal, so this card is going to get some heavy usage. I wish the SL was higher, but I suppose I could request a CLI in the future. Starting limit is $15k at 17.74% APR. I'm not planning to carry any balances, but I'm surprised about the 'low-ish' APR considering how 99% of my cards have gone up several points.

Now, I'm trying to get familiar with the online portal, but it's kinda odd. I still can't see the card under the main PayPal dashboard, so I'm not really sure how I'm supposed to access it in the future. For now, I've been pretending to apply for the card again, and that takes me back to the approval page, and from there, I go to the card's portal.

For those with the card, do you eventually see it on the main PayPal page or is it a separate site to log in? Because there's gotta be a direct way to access the account.

Congratulations on your approval.

Don't complain about the starting limit; mine is $2500

It's a totally separate log in; it doesn't appear on your PayPal site except as one of your payment methods.

Re: PayPal Biz MC Approval

Drifter73 — Wed, 29 Mar 2023 14:27:35 GMT

@imaximous wrote:
Morning after approval:

I don't see the business card on the PayPal portal. I hope I won't have to log in to a different site to manage it.

But now my personal PPMC shows as "Business" on the main portal. Once I click on it, the name changes back to normal.
I hope this is just a glitch and it gets sorted out. I didn't read any rules, but also hope you're allowed to have both Personal and Business cards.

Maybe it just needs to update? Because it's still showing the invite to apply for the business card

I believe when I updated my personal account from personal to business to utilize PayPal Working capital, they canceled all my personal PayPal cards (debit + credit).

They do not mix personal accounts with business. So if you used your personal account to app for one of their business products. Expect to have your personal cards canceled and replaced with Biz versions.

That was my experience anyways.

Re: PayPal Biz MC Approval

imaximous — Wed, 29 Mar 2023 14:31:57 GMT

@SouthJamaica wrote:Congratulations on your approval.

Don't complain about the starting limit; mine is $2500

It's a totally separate log in; it doesn't appear on your PayPal site except as one of your payment methods.

@SouthJamaica

Thanks! I was afraid it'd be a separate login

Anyway, how are you supposed to get to the online portal directly then? I've been clicking on "Apply" to get back to the approval message, and then, I go to the card dashboard from there, but there's gotta be another way... Is there a link to it somewhere?

Re: PayPal Biz MC Approval

imaximous — Wed, 29 Mar 2023 14:38:20 GMT

@Drifter73 wrote:

I believe when I updated my personal account from personal to business to utilize PayPal Working capital, they canceled all my personal PayPal cards (debit + credit).

They do not mix personal accounts with business. So if you used your personal account to app for one of their business products. Expect to have your personal cards canceled and replaced with Biz versions.

That was my experience anyways.

Thanks for the heads-up! I hope that doesn't happen to me. I've had the PPMC for over 3 years now. When I got that card, my PayPal account was already a business account, so it's been fine all this time *knock on wood*

I applied for this biz card from the same PayPal account, so I hope I didn't screw myself up.

Re: PayPal Biz MC Approval

SouthJamaica — Wed, 29 Mar 2023 14:40:01 GMT

@Drifter73 wrote:
@imaximous wrote:
Morning after approval:

I don't see the business card on the PayPal portal. I hope I won't have to log in to a different site to manage it.

But now my personal PPMC shows as "Business" on the main portal. Once I click on it, the name changes back to normal.
I hope this is just a glitch and it gets sorted out. I didn't read any rules, but also hope you're allowed to have both Personal and Business cards.

Maybe it just needs to update? Because it's still showing the invite to apply for the business card

I believe when I updated my personal account from personal to business to utilize PayPal Working capital, they canceled all my personal PayPal cards (debit + credit).

They do not mix personal accounts with business. So if you used your personal account to app for one of their business products. Expect to have your personal cards canceled and replaced with Biz versions.

That was my experience anyways.

Wow, that's crazy, to just cancel your personal cards.

But yet another illustration of why it's good not to mix business and personal.

I have a business PayPal account and a personal PayPal account, and never the twain shall meet.

Re: PayPal Biz MC Approval

Drifter73 — Wed, 29 Mar 2023 14:43:11 GMT

@imaximous wrote:
@Drifter73 wrote:

I believe when I updated my personal account from personal to business to utilize PayPal Working capital, they canceled all my personal PayPal cards (debit + credit).

They do not mix personal accounts with business. So if you used your personal account to app for one of their business products. Expect to have your personal cards canceled and replaced with Biz versions.

That was my experience anyways.
Thanks for the heads-up! I hope that doesn't happen to me. I've had the PPMC for over 3 years now. When I got that card, my PayPal account was already a business account, so it's been fine all this time *knock on wood*

I applied for this biz card from the same PayPal account, so I hope I didn't screw myself up.

Good luck.

Paypal has been cracking down lately. They even eliminated the no fee gift/friends and family option due to so many people abusing it for Biz transactions.

Hopefully you can keep both cards, but don't be shocked if they cancel one.

Re: PayPal Biz MC Approval

SouthJamaica — Wed, 29 Mar 2023 14:59:03 GMT

@imaximous wrote:
@SouthJamaica wrote:Congratulations on your approval.

Don't complain about the starting limit; mine is $2500

It's a totally separate log in; it doesn't appear on your PayPal site except as one of your payment methods.

@SouthJamaica

Thanks! I was afraid it'd be a separate login

Anyway, how are you supposed to get to the online portal directly then? I've been clicking on "Apply" to get back to the approval message, and then, I go to the card dashboard from there, but there's gotta be another way... Is there a link to it somewhere?

Try this:

paypal.com/mybusinesscard

Re: PayPal Biz MC Approval

imaximous — Wed, 29 Mar 2023 15:01:17 GMT

@SouthJamaica wrote:
@imaximous wrote:
@SouthJamaica wrote:Congratulations on your approval.

Don't complain about the starting limit; mine is $2500

It's a totally separate log in; it doesn't appear on your PayPal site except as one of your payment methods.

@SouthJamaica

Thanks! I was afraid it'd be a separate login

Anyway, how are you supposed to get to the online portal directly then? I've been clicking on "Apply" to get back to the approval message, and then, I go to the card dashboard from there, but there's gotta be another way... Is there a link to it somewhere?
Try this: ***DELETED***

@SouthJamaica There's a validation issue with that link.

How are you accessing your account now?

Does it eventually show a link to it from the main PayPal dashboard or did they provide instructions on where to go to sign up for a login in the welcome packet?

Re: PayPal Biz MC Approval

SouthJamaica — Wed, 29 Mar 2023 14:56:58 GMT

@imaximous wrote:
@SouthJamaica wrote:
@imaximous wrote:
@SouthJamaica wrote:Congratulations on your approval.

Don't complain about the starting limit; mine is $2500

It's a totally separate log in; it doesn't appear on your PayPal site except as one of your payment methods.

@SouthJamaica

Thanks! I was afraid it'd be a separate login

Anyway, how are you supposed to get to the online portal directly then? I've been clicking on "Apply" to get back to the approval message, and then, I go to the card dashboard from there, but there's gotta be another way... Is there a link to it somewhere?
Try this:
https://www.paypal.com/connect/?flowEntry=static&client_id=ARVa8-8MPVpdkHvI60icBs0bGeUlQZ3sYnoYMBCmwHMzMInIsLEKe-CwxPjuZBV3B1uNwN5RkOrH6E9y&redirect_uri=https://auth.concertocard.com/rp/callback/paypal&state=004a639f-eb8b-4a62-a64a-d8c955c59a75&response_type=code&scope=openid%20email%20https%3A%2F%2Furi.paypal.com%2Fservices%2Fpaypalattributes
@SouthJamaica There's a validation issue with that link.

How are you accessing your account now?
Does it eventually show a link to it from the main PayPal dashboard or did they provide instructions on where to go to sign up for a login in the welcome packet?

I don't remember how I first did it, but I'm thinking I started with this:

paypal.com/mybusinesscard

Re: PayPal Biz MC Approval

SouthJamaica — Wed, 29 Mar 2023 14:58:26 GMT

@imaximous wrote:
@SouthJamaica wrote:
@imaximous wrote:
@SouthJamaica wrote:Congratulations on your approval.

Don't complain about the starting limit; mine is $2500

It's a totally separate log in; it doesn't appear on your PayPal site except as one of your payment methods.

@SouthJamaica

Thanks! I was afraid it'd be a separate login

Anyway, how are you supposed to get to the online portal directly then? I've been clicking on "Apply" to get back to the approval message, and then, I go to the card dashboard from there, but there's gotta be another way... Is there a link to it somewhere?
Try this:
https://www.paypal.com/connect/?flowEntry=static&client_id=ARVa8-8MPVpdkHvI60icBs0bGeUlQZ3sYnoYMBCmwHMzMInIsLEKe-CwxPjuZBV3B1uNwN5RkOrH6E9y&redirect_uri=https://auth.concertocard.com/rp/callback/paypal&state=004a639f-eb8b-4a62-a64a-d8c955c59a75&response_type=code&scope=openid%20email%20https%3A%2F%2Furi.paypal.com%2Fservices%2Fpaypalattributes
@SouthJamaica There's a validation issue with that link.

How are you accessing your account now?
Does it eventually show a link to it from the main PayPal dashboard or did they provide instructions on where to go to sign up for a login in the welcome packet?

Please do me a favor @lmaximous and delete it from your post.

Re: PayPal Biz MC Approval

imaximous — Wed, 29 Mar 2023 15:02:54 GMT

@SouthJamaica Sure. Just did... but now you have to go back to your own posts and delete it from the 'quotes'

Re: PayPal Biz MC Approval

imaximous — Wed, 29 Mar 2023 15:04:55 GMT

@SouthJamaica wrote:

I don't remember how I first did it, but I'm thinking I started with this:

paypal.com/mybusinesscard

Ok cool. That took me to the card's portal, but I didn't have to create a new login. I just entered my PayPal credentials, and it got me there.

Re: PayPal Biz MC Approval

SouthJamaica — Wed, 29 Mar 2023 15:14:35 GMT

@imaximous wrote:
@SouthJamaica Sure. Just did... but now you have to go back to your own posts and delete it from the 'quotes'

Thank you very much @lmaximous

Re: PayPal Biz MC Approval

SouthJamaica — Wed, 29 Mar 2023 15:15:18 GMT

@imaximous wrote:
@SouthJamaica wrote:

I don't remember how I first did it, but I'm thinking I started with this:

paypal.com/mybusinesscard
Ok cool. That took me to the card's portal, but I didn't have to create a new login. I just entered my PayPal credentials, and it got me there.

Same credentials. Different site

Re: PayPal Biz MC Approval

cashorcharge — Wed, 29 Mar 2023 17:45:18 GMT

WooHoo!! Congratulations @imaximous on your PPMC Approval!!👏🏼🍾🥂

Would you share if your a Sole Prop or LLC and what inquiries or personal CB's (If any) did they SP or HP for this approval?

Considering some have only experienced a TU SP, EX HP and TU HP, I found this on their website...interesting that 3 different scenarios are referenced here...

Re: PayPal Biz MC Approval

imaximous — Wed, 29 Mar 2023 18:13:16 GMT

@cashorcharge wrote:
WooHoo!! Congratulations @imaximous on your PPMC Approval!!👏🏼🍾🥂
Would you share if your a Sole Prop or LLC and what inquiries or personal CB's (If any) did they SP or HP for this approval?

Considering some have only experienced a TU SP, EX HP and TU HP, I found this on their website...interesting that 3 different scenarios are referenced here...

@cashorcharge Thanks!

I applied as a Sole Prop., but I did use my EIN for the application. They did a hard pull on TU personal. I don't have access to check what business bureau(s) they may have pulled. I think it does say somewhere on the site that they do a HP on TU if approved -- only SP if declined.

I didn't see anything about EX, so that could be old DPs.

Last TU score was 817 with 5 INQs now. I'm right at 5/24 and last app/approval was in July 2022. Been credit bored for a while so I was getting the itch to apply for something without adding more accounts to my personal file. Gonna wait another 6 months to drop to 4/24, so I can try to grab another Chase UR SUB.