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Approved for Paypal MC...with disappointing SL

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Re: Approved for Paypal MC...with disappointing SL

I got an auto increase from $300 to $1050 after 3 statements. Got my first CS increase to $3150 maybe 2 months later. Not sure if itll grow more due to overall Sync exposure but ive reached the point i no longer need to get high limits. Smiley Wink
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Message 21 of 29
Valued Contributor

Re: Approved for Paypal MC...with disappointing SL


@Fated4Credit wrote:
Okay I'll wait for the 4th statement hopefully my patience is well rewarded. Also anyone know who I call to see about the getting the card a little faster or @ least find out if it's been send out yet, is it PayPal or Sync? It started reporting to experian today. The approval pg said 7-10 days for arrival, although I don't remember if it said business days or not.
, PayPal MC Customer Service number is 855-520-0991
AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - 114K+ | Rebuilding since April 2018
Message 22 of 29
Established Member

Re: Approved for Paypal MC...with disappointing SL

congrats there wait for 90 days before asking for the increase

Message 23 of 29
Contributor

Re: Approved for Paypal MC...with disappointing SL


@Marz2002 wrote:

@Fated4Credit wrote:
Okay I'll wait for the 4th statement hopefully my patience is well rewarded. Also anyone know who I call to see about the getting the card a little faster or @ least find out if it's been send out yet, is it PayPal or Sync? It started reporting to experian today. The approval pg said 7-10 days for arrival, although I don't remember if it said business days or not.
, PayPal MC Customer Service number is 855-520-0991
 
 

Just a quick update: I was unable to get the card through expedited shipping & couldn't even get a estimate of when the card would be delivered from time of approval as my card has not been created as of yet, that I would need to wait the full 7-10 business days. The CSR even went as far as saying I could make purchases in the meantime with my temp. $200 limit. No thank you, I wouldn't be making any purchases until I have said card actually in hand along with my real limit. To  my estimate it should be here @ the latest July 3 Smiley Frustrated Is this the norm wait time for Sync cards being shipped out or just the paypal card?

 

I'm willing to give Sync bank/paypal a chance but so far they're not really endearing themselves to me, compared my other approval Chase who were more than willing to ship out the FU within 3-5 business days, so I'll have it in hand by Thrusday the latest. 

Discover: $4800
Cap One QS: $1811
CFU: $3400
PPMC: $4700
AAOA: 14 mos
Experian (fico 8) 750
Transunion (fico 8) 749
Equifax (fico 8) 756
Message 24 of 29
Established Contributor

Re: Approved for Paypal MC...with disappointing SL

Congratualtions on your approval!


@Fated4Credit wrote:

I'm willing to give Sync bank/paypal a chance but so far they're not really endearing themselves to me, compared my other approval Chase who were more than willing to ship out the FU within 3-5 business days, so I'll have it in hand by Thrusday the latest. 


To be fair, Sync is sending out a lot more cards than Chase.   If you take care of Sync they will take care of you.  I would suggest never, ever, going over 50% utilization on their cards. They are great cards for getting higher limits reported, but not for using high limits.

Message 25 of 29
Contributor

Re: Approved for Paypal MC...with disappointing SL


@mikesonthemend wrote:

Congratualtions on your approval!


@Fated4Credit wrote:

I'm willing to give Sync bank/paypal a chance but so far they're not really endearing themselves to me, compared my other approval Chase who were more than willing to ship out the FU within 3-5 business days, so I'll have it in hand by Thrusday the latest. 


To be fair, Sync is sending out a lot more cards than Chase.   If you take care of Sync they will take care of you.  I would suggest never, ever, going over 50% utilization on their cards. They are great cards for getting higher limits reported, but not for using high limits.


How contradictory of them, from reading numerous posts about them I know how skittish they can be even probably more than Chase,  so I plan to keep util as low as possbile on the card. In fact I don't feel comfortable carrying more than 30% for more than one month. I don't want to give them any reason to look at me sideways. 

Discover: $4800
Cap One QS: $1811
CFU: $3400
PPMC: $4700
AAOA: 14 mos
Experian (fico 8) 750
Transunion (fico 8) 749
Equifax (fico 8) 756
Message 26 of 29
Valued Contributor

Re: Approved for Paypal MC...with disappointing SL


@Fated4Credit wrote:

@Marz2002 wrote:

@Fated4Credit wrote:
Okay I'll wait for the 4th statement hopefully my patience is well rewarded. Also anyone know who I call to see about the getting the card a little faster or @ least find out if it's been send out yet, is it PayPal or Sync? It started reporting to experian today. The approval pg said 7-10 days for arrival, although I don't remember if it said business days or not.
, PayPal MC Customer Service number is 855-520-0991
 
 

Just a quick update: I was unable to get the card through expedited shipping & couldn't even get a estimate of when the card would be delivered from time of approval as my card has not been created as of yet, that I would need to wait the full 7-10 business days. The CSR even went as far as saying I could make purchases in the meantime with my temp. $200 limit. No thank you, I wouldn't be making any purchases until I have said card actually in hand along with my real limit. To  my estimate it should be here @ the latest July 3 Smiley Frustrated Is this the norm wait time for Sync cards being shipped out or just the paypal card?

 

I'm willing to give Sync bank/paypal a chance but so far they're not really endearing themselves to me, compared my other approval Chase who were more than willing to ship out the FU within 3-5 business days, so I'll have it in hand by Thrusday the latest. 


 

 , Synch is definitely not Customer friendly, based on my experience with them (and, they have that annoying automated Chat person).  I have the PP MC and the CareCredit cards from Synch and neither card was delivered to me as quickly as other lenders.   
AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - 114K+ | Rebuilding since April 2018
Message 27 of 29
Established Contributor

Re: Approved for Paypal MC...with disappointing SL


@Fated4Credit wrote:

@Marz2002 wrote:

@Fated4Credit wrote:
Okay I'll wait for the 4th statement hopefully my patience is well rewarded. Also anyone know who I call to see about the getting the card a little faster or @ least find out if it's been send out yet, is it PayPal or Sync? It started reporting to experian today. The approval pg said 7-10 days for arrival, although I don't remember if it said business days or not.
, PayPal MC Customer Service number is 855-520-0991
 
 

Just a quick update: I was unable to get the card through expedited shipping & couldn't even get a estimate of when the card would be delivered from time of approval as my card has not been created as of yet, that I would need to wait the full 7-10 business days. The CSR even went as far as saying I could make purchases in the meantime with my temp. $200 limit. No thank you, I wouldn't be making any purchases until I have said card actually in hand along with my real limit. To  my estimate it should be here @ the latest July 3 Smiley Frustrated Is this the norm wait time for Sync cards being shipped out or just the paypal card?

 

I'm willing to give Sync bank/paypal a chance but so far they're not really endearing themselves to me, compared my other approval Chase who were more than willing to ship out the FU within 3-5 business days, so I'll have it in hand by Thrusday the latest. 


I applied on 6/10 and didn't get the card until this Saturday (6/22), so it was the full 10 business days. I'm honestly surprised that you got such a low limit. They were more than generous with me, but at least Chase was good to you! I'm still too scared to pull that trigger lol. I'll need to wait until next year for them now. Plus, Synch grows (which I'm counting on). Best of luck!



October 2019:

Stats:
Message 28 of 29
Contributor

Re: Approved for Paypal MC...with disappointing SL

So little update: Today my 3rd statement cut & I got an auto increase of 750. From 800 to 1550. Again a little disappointing. I did let a 267 balance report, wonder if that had anything to do with the increase?Highest reported balance in the card is 340, with my monthly spent being between 200-300

I want to know what's my next step? I'm happy for the overall increase, but not the amount. Is it still worth it to call credit solutions? What's the time frame I can call between getting an auto increase & requesting one? Or do I wait it out another 3-4 months to see if synch is going to give me anything more substantial before requesting an increase from CS. My plan is to ask for 10k & have them counter.
Discover: $4800
Cap One QS: $1811
CFU: $3400
PPMC: $4700
AAOA: 14 mos
Experian (fico 8) 750
Transunion (fico 8) 749
Equifax (fico 8) 756
Message 29 of 29
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