topic Re: PayPal Visa / Amazon Visa in Credit Cards

PayPal Visa / Amazon Visa

Anonymous — Sat, 15 Dec 2007 16:34:41 GMT

I'm thinking these might be good to apply for when I get credit scores up next year. If anyone has experience, I'd love to hear about;

CRA(s) Pulled
FICOs
If Approved, Credit-Line
If Declined, why

Any input appreciated.

Re: PayPal Visa / Amazon Visa

marty56 — Sat, 15 Dec 2007 17:09:45 GMT

If you have a Paypal account, sometimes they say that your are pre-approved when you long in so it may be worth having an account while you are waiting to apply.

Re: PayPal Visa / Amazon Visa

Anonymous — Sat, 15 Dec 2007 17:15:03 GMT

from which CRA do these merchants pull? i live in florida.

Re: PayPal Visa / Amazon Visa

Anonymous — Sat, 15 Dec 2007 17:31:14 GMT

Paypal tries to sell me their credit card all the time. I already have their debit card, it's 1.5% cash back.. ONLY debit card in the world that I know of that gives you cash back. If you're going for the rewards, go for the paypal debit card, whatever it offers is better than their credit card. If you want the credit card, just keep a valid verified account for a while (that means w/ a bank acct verified on it), and they'll start trying to sell it to you in no time.

Re: PayPal Visa / Amazon Visa

ccaddict — Sat, 15 Dec 2007 17:32:08 GMT

Amazon visa is by chase. Chase is a heavy EQ puller. I'm in CA

Re: PayPal Visa / Amazon Visa

kbell — Sat, 15 Dec 2007 18:47:34 GMT

In 2004, I applied for the Amazon card during checkout to get $30 off purchase and was instantly approved with a $5K CL and they let me know what my cc number was immediately. The process was all automated; there didn't seem to have any human intervention. FICO score unknown at the time. It was the only card I have applied to online, but they approved me so instantly I thought they maybe approved anyone who bothered signing up. The $30 off was worth signing up for.

Re: PayPal Visa / Amazon Visa

haulingthescoreup — Sat, 15 Dec 2007 20:39:07 GMT

@Anonymous wrote:
Paypal tries to sell me their credit card all the time. I already have their debit card, it's 1.5% cash back.. ONLY debit card in the world that I know of that gives you cash back.

That IS a good deal! The USAA debit card gives cash back, but it's only 0.5%, or 1 point for $2 on the debit card if you want points.

Re: PayPal Visa / Amazon Visa

Anonymous — Sat, 15 Dec 2007 21:10:29 GMT

@haulingthescoreup wrote:
@Anonymous wrote:
Paypal tries to sell me their credit card all the time. I already have their debit card, it's 1.5% cash back.. ONLY debit card in the world that I know of that gives you cash back.

That IS a good deal! The USAA debit card gives cash back, but it's only 0.5%, or 1 point for $2 on the debit card if you want points.

I would use it all the time if it wasn't for the fact it was a debit card, and I no longer maintain any balance in my paypal account, it's so much easier just to charge it all on a credit card and only think about it once a month when making the payment, instead of trying to guess ahead on how much you'll spend. HOWEVER, If you don't mind doing this management, it's a great deal!

Re: PayPal Visa / Amazon Visa

Anonymous — Sat, 15 Dec 2007 21:16:22 GMT

The more I read the more Amazon Visa seems like the way to go to get my feet wet with Credit again. My family has had an Amazon account for 2 years or so and we all buy everything on it. So if I simply apply through that account which is in good standing. I'd imagine/hope that as a long-standing customer that would contribute to any decision making process.

Re: PayPal Visa / Amazon Visa

Anonymous — Sat, 15 Dec 2007 21:20:25 GMT

@Anonymous wrote:
The more I read the more Amazon Visa seems like the way to go to get my feet wet with Credit again. My family has had an Amazon account for 2 years or so and we all buy everything on it. So if I simply apply through that account which is in good standing. I'd imagine/hope that as a long-standing customer that would contribute to any decision making process.

Since you're a long standing customer, do they ever solicit YOU to get the card? If so, then you'll more than likely get it

Re: PayPal Visa / Amazon Visa

MidnightVoice — Sat, 15 Dec 2007 21:24:40 GMT

nyccc2 wrote:
The more I read the more Amazon Visa seems like the way to go to get my feet wet with Credit again. My family has had an Amazon account for 2 years or so and we all buy everything on it. So if I simply apply through that account which is in good standing. I'd imagine/hope that as a long-standing customer that would contribute to any decision making process.

Are you an AU on it?

Re: PayPal Visa / Amazon Visa

Anonymous — Sat, 15 Dec 2007 21:36:46 GMT

Every single time I check out it shows me how much my order would cost with the $30 credit and tells me to apply now. I'm still going to wait until my credit looks good/better next month, if I can get a $5k line that would be great. I/we can spend $500 a month there and pay it off each month, that way I don't even change spending habits but generate a credit history. MAN I wish I knew this all as a teenager!

Re: PayPal Visa / Amazon Visa

Anonymous — Sat, 15 Dec 2007 21:41:27 GMT

Hmm, well it is my 'name' on the account and my address, but my parents Amex is the payment method used. I don't see any AUs on Amazon at all.

Re: PayPal Visa / Amazon Visa

Red1Blue — Sat, 15 Dec 2007 23:57:49 GMT

I think paypal credit card is issued by GEMB. They are very stingy with CL. I have paypal account for last 7 years and GEMB did not give good CL. They pulled EQ for me. I should not have wasted an Hard for this card.