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Applied today for Blispay because I like the financing option.
After a 1-2 hour pending review, was approved for $1,000 limit. LOL.
My factors:
741 EX. 0 late payments, 0 CO, 5% util (reporting $536 balance), 5 year average age of cards, 9 inquiries last year, have 3 bank cards and 1 revolving account (67% left).
I called in to ask for manual reconsideration. They allowed me to plead my case, stating that their program with $1000 SL doesn't allow me to use it to its fullest. I stated I have cards with $5000 limits and pay them on time, and if I were to finance something for 6 months that due to my low risk credit profile I would not default.
We'll see what happens, but oh man. Haha.
Congrats.. Although won't be able to use that limit for 0% for 6 month financing for anything really as would kill your utilization.. Just use it for a 2% card if you don't alraedy have one and make the best of it.. Agreed paypal credit would of been hidden and offer financing for 6 months with a better limit.. Not sure why you got the lowest limit i have yet to see with this card . Hopefully they will reconsider the limit.
Totally agree about PayPal. Blisspay is weird. Not sure what their formula is, but congratulations on getting your foot in the door!
I will be having the Alliant Visa signature hopefully in 6 months, which provides 2.5% back. If I do not get my starting limit raised I will likely just use this as an emergency spending card for things like if a tire blows out or if I have some unforeseen event occur.
Blispay is kinda unpredictable... id use it occasionally.. for the 2% .. They are supposedly working on allowing CLI requests because its one of the two complaints most have with this card.... 1. You get what you get for CLI, and their verification system has issues and its very difficult to recon verification issues..
i got less than i was expecting but it was usable at least...
it *is* a mostly hidden TL...
that sucks though
-J