topic Re: paypal smartconnect question in Credit Cards

paypal smartconnect question

bk510 — Wed, 05 Jun 2013 01:46:27 GMT

hi all my children......

hey guys, i just apped for pp mc on couple of days ago and got approved for smartconnect instead.

Couple of things i like to no....

1. Do i need to wait for something in the mail and activate my account b4 i can use it?

2. I clicked on "view card details" and it shows my last 4 digits of my account number and it says spending power of 300 available ( Is this mean i can use this account now i mean like as of NOW literally?

3 Can I recon this for the pp master CC again?

4. since its backed up by GE, would this be a good way for me to get back to good graces with GE since i burned them in my bk7 last year?

5. Am i eligible for a debit card? ( I read somewhere that ur initial limit would have to be at least 500 or upgrade my account to either premier or business, which i dont wanna do)

6. if i upgrade to thier so called premier account, will i be paying some sort of fees of any kind?

7. I do not intend on selling anything on ebay or anything like that, i just want the debit card for a convenience only ( am i wrong thinking this way?)

thank u all my children,

Re: paypal smartconnect question

Anonymous — Wed, 05 Jun 2013 01:57:20 GMT

1) account info is on your Paypal. You just need to select make smart connect your primary method of payment

2) Yes, you can use it now.

3) if you're never satisfied with what you got in the first place you can always recon. I haven't heard of anyone successfully recon to MC.
4) the fact that they extended credit to you is a good sign. Use it responsibly and they grow again with you.
5) I have heard of the $500 dollar minimum. But you can still request the debit card.
6) there are no additional fees. Just high APR.
7) no you're not. Getting a debit card just helps use you're credit you've been granted. The card is designed to use your funds in the PayPal account first and if there are no fund its use the smart connect as a line of credit.

Re: paypal smartconnect question

jsucool76 — Wed, 05 Jun 2013 02:13:55 GMT

Your chances of being able to recon it into the actual paypal mastercard are slim to none. However, PPSC works basically the same way. You order the debit card, and make sure you set smart connect as your funding source. Once you get the debit card, you use it anywhere mastercard is accepted and it will pull directly from your smart connect account, basically giving you a regular credit card. You can even sign up to get 1% cash back with your debit card anytime you swipe it as a "Credit" (No PIN) transaction.

Re: paypal smartconnect question

bk510 — Wed, 05 Jun 2013 02:22:01 GMT

thank u mau....

how should i apply for debit card? over the phone or on website? (ok, i guess i'll do it online.)

however tho...i just tried to call smartconnet and paypal , just to kind a see if they answered the phone.

paypaly , i was able to speak to somebody, i suppose thats a good thing but with smartconnect, its all recording.

i just hope i dont have any issue with paypal and or smartconnect down the road ( i have read so many people complainig bout paypal and smartconnect)

Not quite sure thier compalins are all legit.

oh well.

Re: paypal smartconnect question

jsucool76 — Wed, 05 Jun 2013 02:27:32 GMT

I've had smartconnect for a little under a year now. I like it .

To apply for the debit card, log into your paypal account and it should be in one of the menus (or go here)

Just sign in and most of the information should already be there. I think I just had to put in the last 4 of my social. Debit card will not be a HP on any credit reports,

For the most part you won't be calling paypal about anything (unless it is something wrong with the paypal website or your PAYPAL account) paypal smart connect is from GE, and they're two different companies. so CLIs and all that go through GE.

Re: paypal smartconnect question

new_earth — Wed, 05 Jun 2013 02:55:49 GMT

I just got approved this too and am going to use the debit card method. pretty cool that it basically ends up being a credit card.

Also, I just noticed on EX that it reports as a 'credit card' as opposed to other GE cards that show up as 'charge card'. Interesting....

Re: paypal smartconnect question

indiolatino61 — Wed, 05 Jun 2013 05:13:14 GMT

@bk510 wrote:
hi all my children......

hey guys, i just apped for pp mc on couple of days ago and got approved for smartconnect instead.

Couple of things i like to no....

1. Do i need to wait for something in the mail and activate my account b4 i can use it?

2. I clicked on "view card details" and it shows my last 4 digits of my account number and it says spending power of 300 available ( Is this mean i can use this account now i mean like as of NOW literally?

3 Can I recon this for the pp master CC again?

4. since its backed up by GE, would this be a good way for me to get back to good graces with GE since i burned them in my bk7 last year?

5. Am i eligible for a debit card? ( I read somewhere that ur initial limit would have to be at least 500 or upgrade my account to either premier or business, which i dont wanna do)

6. if i upgrade to thier so called premier account, will i be paying some sort of fees of any kind?

7. I do not intend on selling anything on ebay or anything like that, i just want the debit card for a convenience only ( am i wrong thinking this way?)

thank u all my children,

Good luck to you!

Re: paypal smartconnect question

bk510 — Wed, 05 Jun 2013 05:33:54 GMT

@jsucool

thanks for that difference between the two....

When I go to the sign up for debit card page, 2 things stand out right away to me and that is.....

On the top of the page it says PP debitcard Business card

and at the bottome it also says by clicking that i AGREE to upgrade my account to premier account.

So, i'm lil confused, what tha hell r they talkin bout?

I shouldnt have to upgrade my account to get a freakin debit card, AM I?

I guess what i'm gettin at is, if infact i end up upgrading my account just to get a debit card, what are the repercussions or anything i shoild look out for or be concerned about....thats the bottom line to me i suppose.

Re: paypal smartconnect question

bk510 — Wed, 05 Jun 2013 05:35:44 GMT

@new earth

Have u applied for debit card yet?

and if so and assuming that u applied online, did u notice that thing bout where u have to UPGRADE to a premier account in order to get the debit card

Re: paypal smartconnect question

Anonymous — Wed, 05 Jun 2013 07:11:21 GMT

@bk

I've had the smart connect for 2 years and I haven't noticed any differences or additional fees. But then again I'm probably one of the few who strictly used it online.

Re: paypal smartconnect question

bk510 — Thu, 06 Jun 2013 00:34:05 GMT

@jsucool

hey cool. let me ask u somethin'

i just made a 2 separate purchases from walmart last night (7.42, 15.14....totaling 22.56 right?)

and then i checked my smartconnect balance right away and it shows bal of 278.00.

i guess my question is ..shouldnt the balance be 277.44 instead of 278?

my limit is 300.

i'm not gettin it.....lol

Re: paypal smartconnect question

jsucool76 — Thu, 06 Jun 2013 05:36:08 GMT

your balance won't be any more than it actually is, PPSC just rounds. you won't owe anymore money than you actually spent.

Also, all paypal debit cards are business cards, there are no additional fees for premier afaik. I think I have a premier account.

And make sure you sign up for the cash back when you get your debit card.

Re: paypal smartconnect question

bk510 — Thu, 06 Jun 2013 07:14:48 GMT

ok thanks,

couple more q's if dont mind cool....

1. can i make my payment to smart connect through my bank's online bill pay?since i have thier mailing address (or do i have to go through paypal account?)

2. will i be receiving my monthly statement?

3. somewhat confused as to how to make payments to them.

4. do i need to add my bank account on paypal in order to make my payments to smart connect?

5. and i just signed up for pp debit card (thanks)

6. i need a way to make a payment simple.

thanks,

Re: paypal smartconnect question

jsucool76 — Thu, 06 Jun 2013 18:02:28 GMT

To make a payment you basically just click on view card details or "Make a Payment" and add in your bank and pay it off....

Im sure you could send it through your banks billpay feature also.