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I Don't Under Low CL on Newly Approved PayPal Extras MC

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CGeorge
Frequent Contributor

I Don't Under Low CL on Newly Approved PayPal Extras MC

I am new here, so I don't have my actual FICO 8 scores in my siggy....my actual FICO 8 scores are in the lower 700s.

But I don't understand why, when I have a $10K Amazon Prime limit, five MC/V with CL of $6000, and one Visa with $10K limit - that PayPal Extras MC approved me only for a $300 CL (initial and actual). I have zero late payments on my reports and no baddies. My utilization is less than 5%. 

What am I missing? Or why could this be?

Any help would be great - I am baffled by this - thanks!

Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: I Don't Under Low CL on Newly Approved PayPal Extras MC

how many synchrony cards do you have? maybe that has something to do with it

Message 2 of 6
Meanmchine
Super Contributor

Re: I Don't Under Low CL on Newly Approved PayPal Extras MC

I would look to your TU file and your EX file as these are the reports they almost always pull.  Synchrony bankcards start getting approved at the 680ish mark and their top cards require 730 plus. Sounds like your score just got you in the Paypal door.  Call credit solutions and see if they can help you out

 

Good luck

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 3 of 6
CreditCuriosity
Moderator Emeritus

Re: I Don't Under Low CL on Newly Approved PayPal Extras MC

Look up credit solutions phone number on the forum and give them a call they should be able to raise it if your scores are or near the 700 range.  Best of luck

Message 4 of 6
Anonymous
Not applicable

Re: I Don't Under Low CL on Newly Approved PayPal Extras MC

Congrats on approval

Message 5 of 6
AverageJoesCredit
Legendary Contributor

Re: I Don't Under Low CL on Newly Approved PayPal Extras MC

Congrats. It doesnt matter if you have 10k on Amazon, every Sync account is different from each other with different underwriting. You just need some time and the big increase will come. Sync generally like TU , seems to double check Ex now so keep it clean and things will growSmiley Happy
Message 6 of 6
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