topic Re: Maximum credit limit with Paypal Extra Mastercard? in Credit Cards

Maximum credit limit with Paypal Extra Mastercard?

physignathus — Wed, 10 Jul 2013 23:34:34 GMT

Hi all credit geeks,

I wonder anyone ever reach over 25k credit limit for Paypal mastercard yet? Because I currently have 23k and I would like to try. But I worry they may decline because my total credit through all cards are 93k by now. Any input is welcome.

Re: Maximum credit limit with Paypal Extra Mastercard?

Creditaddict — Wed, 10 Jul 2013 23:47:03 GMT

@physignathus wrote:
Hi all credit geeks,

I wonder anyone ever reach over 25k credit limit for Paypal mastercard yet? Because I currently have 23k and I would like to try. But I worry they may decline because my total credit through all cards are 93k by now. Any input is welcome.

I have seen someone post about the Max GE exposure over all accounts is $100k but don't know of a $25k Max...

Why does it matter if you are denied for trying... I mean I don't like being denied but with GE, it's SP!!

Re: Maximum credit limit with Paypal Extra Mastercard?

Anonymous — Thu, 11 Jul 2013 01:26:36 GMT

I'm sure youngandcreditwrthy is all over it!

Re: Maximum credit limit with Paypal Extra Mastercard?

physignathus — Fri, 12 Jul 2013 02:46:04 GMT

Just got increased to 25k from 23k. GE is very awesome.

Re: Maximum credit limit with Paypal Extra Mastercard?

Anonymous — Fri, 12 Jul 2013 02:51:08 GMT

Congrats!

Re: Maximum credit limit with Paypal Extra Mastercard?

physignathus — Fri, 12 Jul 2013 02:58:49 GMT

Thanks. Just found out this is the second time I got increased. Each time just 2 months from each other. So I think if we ask for small credit increase with good usesage and payment, we can do it less than 4 cycles.

Re: Maximum credit limit with Paypal Extra Mastercard?

Anonymous — Fri, 12 Jul 2013 03:01:41 GMT

@Creditaddict wrote:
@physignathus wrote:
Hi all credit geeks,

I wonder anyone ever reach over 25k credit limit for Paypal mastercard yet? Because I currently have 23k and I would like to try. But I worry they may decline because my total credit through all cards are 93k by now. Any input is welcome.
I have seen someone post about the Max GE exposure over all accounts is $100k but don't know of a $25k Max...

Why does it matter if you are denied for trying... I mean I don't like being denied but with GE, it's SP!!

Yes that was me. Max exposure is $100,000 in which each card may not pass $50,000.

But I have never seen a card pass 29,000...

Re: Maximum credit limit with Paypal Extra Mastercard?

physignathus — Mon, 25 Nov 2013 19:09:25 GMT

Just get my paypal mastercard limit up to 29k. I am so happy now. Honestly, I want to try to ask for more but I know GE getting tight on credit exposure now. Still good for soft pull those. Thanks all ficoers for your valuable inputs.

Re: Maximum credit limit with Paypal Extra Mastercard?

youngman1234 — Mon, 25 Nov 2013 20:39:21 GMT

Wow that's great... I got mine in sept with a 3k limit. I'm waiting for the 4 month auto cli and then will call credit solutions and ask for 20k. What was ur opening limit ??

Re: Maximum credit limit with Paypal Extra Mastercard?

SunriseEarth — Mon, 25 Nov 2013 20:42:25 GMT

@physignathus wrote:
Just get my paypal mastercard limit up to 29k. I am so happy now. Honestly, I want to try to ask for more but I know GE getting tight on credit exposure now. Still good for soft pull those. Thanks all ficoers for your valuable inputs.

I wasn't aware they even went past 25K CLs. Congrats!

Re: Maximum credit limit with Paypal Extra Mastercard?

Anonymous — Tue, 26 Nov 2013 03:34:02 GMT

It was easy enough to get them to go from $6,000 to $15,000, but should I even dare to go higher considering I barely spend $150 a month on the card?

Re: Maximum credit limit with Paypal Extra Mastercard?

Anonymous — Tue, 26 Nov 2013 03:43:07 GMT

@YanYan

I feel the same way when I asked for my last CLI. I almost felt guilty.

Re: Maximum credit limit with Paypal Extra Mastercard?

Anonymous — Tue, 26 Nov 2013 03:51:34 GMT

09Lexie, I also felt guilty. If I ask for $25,000 and they ask why, what can I say? If they come back and tell me about how I barely use the card then on top of feeling guilty I will also feel depressed,

Re: Maximum credit limit with Paypal Extra Mastercard?

youngman1234 — Tue, 26 Nov 2013 03:59:45 GMT

Use it heavy one month....

Re: Maximum credit limit with Paypal Extra Mastercard?

Anonymous — Tue, 26 Nov 2013 04:08:26 GMT

@YanYan

Yep, usually I have no problem pulling a figure out of my mouth but for this card (and the Wal/Disc) it's like the words are caught in my throat.

Re: Maximum credit limit with Paypal Extra Mastercard?

Anonymous — Tue, 26 Nov 2013 05:00:06 GMT

I'll have to work on getting the courage to ask for a gazillion bucks like a lot of guys on the forum can.

Re: Maximum credit limit with Paypal Extra Mastercard?

BackInTheSaddleAgain — Tue, 26 Nov 2013 06:16:44 GMT

What was your TU FICO when you were approved Young Man? I am finally taking the plung tomorrow and applying for this card. Just wondering what CL to expect with my scores below. No lates in over 5 years. No inquiries past 5 months. Good income. AAoA = 8 yrs.

Re: Maximum credit limit with Paypal Extra Mastercard?

coldnmn — Tue, 26 Nov 2013 11:40:59 GMT

@physignathus wrote:
Just got increased to 25k from 23k. GE is very awesome.

Congrats Awsome limit!

Re: Maximum credit limit with Paypal Extra Mastercard?

youngman1234 — Tue, 26 Nov 2013 13:43:26 GMT

Backintheaaddleagain,

My scores were like 710-720 I think in between there. My AAOA is 2 years with a credit history of just 3.4 years. I was actually disappointed with the initial limit, I have a good income and have several cards with 20K+ limits. I got approved for 3k and recon'd by calling customer service but it was a no go. They said they just want to see usage and how I handle it. Right now I put like 2k on it every month and PIF before the statements cut. I will call credit solutions in jan when I go past fourth statement and ask for 20k. Let's see

Re: Maximum credit limit with Paypal Extra Mastercard?

TiggerDat — Tue, 26 Nov 2013 15:34:44 GMT

@BackInTheSaddleAgain wrote:
What was your TU FICO when you were approved Young Man? I am finally taking the plung tomorrow and applying for this card. Just wondering what CL to expect with my scores below. No lates in over 5 years. No inquiries past 5 months. Good income. AAoA = 8 yrs.

I am going to take a wild guess and say $5000. I also think that in three months they will raise it to $7500 or double it. I had my card for about 3 months and they doubled it. I started out with $1500. I didn't ask for it, I simply used it nicely for one or two billing cycles and that was it. My sister has been using the card for the last few months and has put through a fair amount of money on it. She had over $5000 on the card at one point, so I think I can ask again soon, right after Thanksgiving for an increase. (However, I doubt the card will be used as much, since she figured out that the points aren't really worth it and has switched to my PNC, Barclays, and this one for gas! It gives 2.5% on gas! It's only .8% on regular purchases.)

They are really good about credit limit increases, though.