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PayPal MC Increase Issue?

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Established Contributor

PayPal MC Increase Issue?

When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 1 of 20
19 REPLIES 19
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Community Leader
Senior Contributor

Re: PayPal MC Increase Issue?

What is your current limit with this card? If it is 10K, I believe the luv button will not work and you have to call the CS line to request an increase.

EXP 753 TU 781 EQ 733
Message 2 of 20
Established Contributor

Re: PayPal MC Increase Issue?


@Jnbmom wrote:

What is your current limit with this card? If it is 10K, I believe the luv button will not work and you have to call the CS line to request an increase.


It is $10k. I'll call and see what I can do. 

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 3 of 20
Established Contributor

Re: PayPal MC Increase Issue?

Unfortunately, another denial. I'll let y'all know what the denial letter says. 

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 4 of 20
Community Leader
Senior Contributor

Re: PayPal MC Increase Issue?


@xXIDaShizIXx wrote:

When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?


In your denial letter it should state what CR was pulled and the score. That way you'll be able to tell if it’s a recent score or not. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 5 of 20
Community Leader
Senior Contributor

Re: PayPal MC Increase Issue?


@xXIDaShizIXx wrote:

When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?


What amount are you requesting? Have you tried lowering the amount requested?

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 6 of 20
Established Contributor

Re: PayPal MC Increase Issue?


@CreditInspired wrote:

@xXIDaShizIXx wrote:

When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?


What amount are you requesting? Have you tried lowering the amount requested?


I got the same reason. "We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I have requested a $5k increase, a $2.5k increase, and a $1k increase. Not really sure what is going on there. Customer service is not particularly helpful either.

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 7 of 20
Valued Contributor

Re: PayPal MC Increase Issue?


@xXIDaShizIXx wrote:

@CreditInspired wrote:

@xXIDaShizIXx wrote:

When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?


What amount are you requesting? Have you tried lowering the amount requested?


I got the same reason. "We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I have requested a $5k increase, a $2.5k increase, and a $1k increase. Not really sure what is going on there. Customer service is not particularly helpful either.


I have no specific knowledge here and I am just spitballing. Is your CC a World Elite Mastercard? Perhaps you need to PC your current CC?



















Your FICO credit scores are not just numbers, it’s a skill.

Message 8 of 20
Established Contributor

Re: PayPal MC Increase Issue?


@Medic981 wrote:

@xXIDaShizIXx wrote:

@CreditInspired wrote:

@xXIDaShizIXx wrote:

When requesting a CLI on my PayPal MC I get the following denial - ""We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I started at this limit and cannot seem to get an increase on it. I have over 12 statements cut, so I'm not sure if they are just using an old SP or what. Any suggestions?


What amount are you requesting? Have you tried lowering the amount requested?


I got the same reason. "We are not able to assign the credit line you requested because it exceeds the amount of increase our policy allows." I have requested a $5k increase, a $2.5k increase, and a $1k increase. Not really sure what is going on there. Customer service is not particularly helpful either.


I have no specific knowledge here and I am just spitballing. Is your CC a World Elite Mastercard? Perhaps you need to PC your current CC?


No just a plain MC. It is really weird.

Bank of America Cash Rewards: $70k; Chase Sapphire Preferred: $35k; Capital One Quicksilver: $21.2k; Citi AAdvantage: $23.5k; Care Credit: $20k; Chase Freedom: $12.5k; Chase Freedom Unlimited: $12.5k; Citi Simplicity: $15.9k; Wayfair: $22K; Barclaycard Rewards: $10k; Car Care One: $10k; AMEX BCE: $15k; Discover IT Miles: $10k; Citi DC: $9.2k; Marvel: $10k; Ashley Furniture: $6k; PayPal Credit: $10k; US Bank Cash +: $5k;
Message 9 of 20
Valued Contributor

Re: PayPal MC Increase Issue?

My thought is WEMC start at $5000. I do not know too much about Synchrony's CCs but perhaps their CC is limited to $10,000 unless it is a WEMC. I am sure others more knowledgeable will weigh in.

 



















Your FICO credit scores are not just numbers, it’s a skill.

Message 10 of 20
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