topic Re: PayPal Smart Connect Question in Credit Cards

PayPal Smart Connect Question

Anonymous — Fri, 15 Feb 2013 19:58:22 GMT

Hi,

I just applied for the PayPal Extras Mastercard, and was instead approved for the Smart Connect instead (still OK I guess, I do a lot of online shopping and most retailers except PayPal).

My question is was this a HP? I would figure it was, but it never asked me for my SSN, only income and DOB. Is it because my SSN was already tied to my PayPal account? Also, I cannot find the APR for the life of me anywhere on the terms or the site, anyone who has this Smart Connect know where the APR is located?

Thanks!

Re: PayPal Smart Connect Question

OhioCPA — Fri, 15 Feb 2013 20:53:05 GMT

It's 26.99% and likely a HP. You can see the interest rate on the card holder agreement or on your statement.

Re: PayPal Smart Connect Question

BearsAndTurtlesRtheBest — Fri, 15 Feb 2013 23:12:03 GMT

Hmm they must of pulled TU. Did you have to accept PayPal SC? And yeah it most likey did check your credit with a HP.

Re: PayPal Smart Connect Question

solxp — Sat, 16 Feb 2013 01:04:07 GMT

@Anonymous wrote:
Hi,

I just applied for the PayPal Extras Mastercard, and was instead approved for the Smart Connect instead (still OK I guess, I do a lot of online shopping and most retailers except PayPal).

My question is was this a HP? I would figure it was, but it never asked me for my SSN, only income and DOB. Is it because my SSN was already tied to my PayPal account? Also, I cannot find the APR for the life of me anywhere on the terms or the site, anyone who has this Smart Connect know where the APR is located?

Thanks!

Do you happen to have any other cards issues by GEMB. When you say applied did you actually go the the specfic webpage or was it a popup or part of the account creation when you logged on your account. If so chances are that it was a SP at least mine was however I did not apply persay It just prompted me one time when I logged on my account. I have a couple tradelines with GEMB and was not actively seeking anymore but since it was a SP I took it, I did make sure to check my TU report several times over the next few months after accepting the offer but there was no hard inquiry added to my report just the new tradeline reporting.

Re: PayPal Smart Connect Question

Anonymous — Sat, 16 Feb 2013 02:02:51 GMT

I have several GE accounts and was prompted when I logged in. Hopefully like you it was a SP.

On another note - if I get a PayPal debit card, can I tie my SC to it and when I swipe the debit card it pulls from SC if I leave my paypal with no funds in it?

Re: PayPal Smart Connect Question

Anonymous — Sat, 16 Feb 2013 02:49:11 GMT

Nevermind, called PayPal to check - it can be used as a secondary source so if no funds in PayPal it will take from SmartConnect with 1% cash back (incase anyone else was wondering)

Re: PayPal Smart Connect Question

EaglesFan2006 — Tue, 09 Jul 2013 13:48:55 GMT

@Anonymous wrote:
Nevermind, called PayPal to check - it can be used as a secondary source so if no funds in PayPal it will take from SmartConnect with 1% cash back (incase anyone else was wondering)

Interesting...not entirely sure how PayPal works with its backup sources, but couldn't you use that as a method for a free cash advance of sorts (ie cash back at a grocery store)

Re: PayPal Smart Connect Question

Anonymous — Tue, 09 Jul 2013 14:05:32 GMT

@EaglesFan2006 wrote:
@Anonymous wrote:
Nevermind, called PayPal to check - it can be used as a secondary source so if no funds in PayPal it will take from SmartConnect with 1% cash back (incase anyone else was wondering)
Interesting...not entirely sure how PayPal works with its backup sources, but couldn't you use that as a method for a free cash advance of sorts (ie cash back at a grocery store)

yes you could if you use the pin code, I think however the 1% cash back is only for non pin code transactions

Re: PayPal Smart Connect Question

Anonymous — Tue, 09 Jul 2013 17:27:26 GMT

You can use it as backup funding for your paypal debit card. They have really high interest rate.

Brigitte Grisanti

Re: PayPal Smart Connect Question

Anonymous — Tue, 09 Jul 2013 18:15:38 GMT

It will NOT allow you to do the cash advance (yes I tried it once) but as posted before when linked as a secondary source of payment to the paypal debit card you do earn 1% cash back and it's swiped like a normal credit card transactions! I use it all tthe time, both for ebay shoping and using my PP debit card as the "credit card" and pulls from my SC acct.

Re: PayPal Smart Connect Question

Techsavvy — Tue, 09 Jul 2013 19:35:21 GMT

Hi, I am very interested in applying for a Paypal SC account and already have a Walmart card with a $600 limit that I got 5/13. Out of curiosity what was your or anyone that would like to chime in TU's credit store at the time of app since that is who GE pulls from. My credit karma TU is 607, EQ FICO 601 and waiting on Walmart TU FICO to update. Don't want to do a HP if my chances are very slim to none. Thanks!

Re: PayPal Smart Connect Question

CreditExpressNJ — Tue, 09 Jul 2013 19:39:14 GMT

i would say go for it if your approved for 1 GE acct usually youll get approved for others at least in my case it was... i had a 699 and applied for 5 different acct over a weeks period and approved for them all they are in my SIG below

Re: PayPal Smart Connect Question

Techsavvy — Wed, 10 Jul 2013 01:39:49 GMT

Ok I think I will. My util on my credit cards are at 16% and I have been paying off my cards on time and avoiding interest. But I did get dinged for the inquires and new accounts initially but it should start increasing soon. Thanks for the response!

PaY Pal smart connect

Anonymous — Mon, 24 Feb 2014 23:34:47 GMT

NEVER OBTAIN A SMART CONNECT CARD. YOU CAN NOT SET UP FOR AUTO PAY AND WILL BE DINGED ON YOUR CREDIT IF YOU ARE NOT ABLE TO PAY DUE TO BEING STATIONED OVERSEAS AND IF YOU OPT TO BUY FROM A NEW EBAY SELLER YOU CHECKING ACCOUNT WILL BE DRAFTED......I ENROLLED IN ONE AND LINKED IT TO MY EBAY. I PURCHASED AN ITEM THAT WAS NEW TO EBAY AND EBAY DECLINED MY SMART CONNECT AND USED MY BANK ACCOUNT. IN THE MEAN TIME I HAD PAID SMART CONNECT FOR THE PURCHASE - NOT WANTING A BALANCE DUE TO TRAVELING (ALSO MY SON FORGOT TO PAY HIS ACCOUNT BECAUSE HE WAS IN THE MIDDLE EAST AND HIS CREDIT TOOK A LARGE DING--PAY PAL SMART CONNECT DOES NOT ALLOW YOU TO SET UP AUTO PAYMENTS) IT APPEARS THAT THEY WANT THE LATE FEES AND LARGE INTEREST CHARGES.... ANYWAY I DISCOVERED THAT IF A SELLER IS NEW TO EBAY THEIR MONIES IS HELD FOR A WHILE TO INSURE CUSTOMER'S ARE HAPPY. THIS IS WHY SMART CONNECT OPTED TO CHARGE MY BANK THE FEE. SO NOW I HAVE A CREDIT BALANCE WITH SMART CONNECT AND A SUBTRACTION FROM MY BANK ACCOUNT......JUST GO TO BARCLAY CARD THEY ARE FLEXIBLE. MY SON DID AND HE HIS HAPPY. MY SMART CONNECT WILL SIT COLLECTING DUST. IF IF CLOSE IT MY SCORES WILL BE IMPACTED I SENT EBAY A LETTER REGARDING THEIR CONDUCT IN MY MATTER AND RECEIVED 0 BACK....SO MUCH FOR EBAY AND SMART CONNECT

Re: PaY Pal smart connect

Anonymous — Tue, 25 Feb 2014 00:39:01 GMT

@Anonymous wrote:
NEVER OBTAIN A SMART CONNECT CARD. YOU CAN NOT SET UP FOR AUTO PAY AND WILL BE DINGED ON YOUR CREDIT IF YOU ARE NOT ABLE TO PAY DUE TO BEING STATIONED OVERSEAS AND IF YOU OPT TO BUY FROM A NEW EBAY SELLER YOU CHECKING ACCOUNT WILL BE DRAFTED......I ENROLLED IN ONE AND LINKED IT TO MY EBAY. I PURCHASED AN ITEM THAT WAS NEW TO EBAY AND EBAY DECLINED MY SMART CONNECT AND USED MY BANK ACCOUNT. IN THE MEAN TIME I HAD PAID SMART CONNECT FOR THE PURCHASE - NOT WANTING A BALANCE DUE TO TRAVELING (ALSO MY SON FORGOT TO PAY HIS ACCOUNT BECAUSE HE WAS IN THE MIDDLE EAST AND HIS CREDIT TOOK A LARGE DING--PAY PAL SMART CONNECT DOES NOT ALLOW YOU TO SET UP AUTO PAYMENTS) IT APPEARS THAT THEY WANT THE LATE FEES AND LARGE INTEREST CHARGES.... ANYWAY I DISCOVERED THAT IF A SELLER IS NEW TO EBAY THEIR MONIES IS HELD FOR A WHILE TO INSURE CUSTOMER'S ARE HAPPY. THIS IS WHY SMART CONNECT OPTED TO CHARGE MY BANK THE FEE. SO NOW I HAVE A CREDIT BALANCE WITH SMART CONNECT AND A SUBTRACTION FROM MY BANK ACCOUNT......JUST GO TO BARCLAY CARD THEY ARE FLEXIBLE. MY SON DID AND HE HIS HAPPY. MY SMART CONNECT WILL SIT COLLECTING DUST. IF IF CLOSE IT MY SCORES WILL BE IMPACTED I SENT EBAY A LETTER REGARDING THEIR CONDUCT IN MY MATTER AND RECEIVED 0 BACK....SO MUCH FOR EBAY AND SMART CONNECT

Sorry this happened to you. However, many posters have been satisfied with their PPLSC. While your post is informative, it should not be accepted as blanket statement 'never obtain a smart connect'

Re: PayPal Smart Connect Question

Anonymous — Tue, 25 Feb 2014 00:41:44 GMT

oops.... old thread replied to the wrong thing