No garden can hold me - PayPalMC approval

[Anonymous]

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@mikesonthemend wrote:

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@Anonymous wrote:

Congrats!

The HP will show up though, it’s Sync, they don’t SP lol. 

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My apologies, @Saeren. I did unlock TU last night. Just got the hard pull noticeS.

I need a breathalyser on my computer.

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Lol thanks for the update. 

And yeah, if I hadn’t quit drinking 2 years ago I would have like 50 inquiries from drunk apping.

[Anonymous]

Congrats on your PayPal MC approval! 

[credit_is_crack]

If your a PIF kinda spender than APR doesn’t matter. As your scores and general profile improves you’ll see lower and lower APRs roll thru.

For me I still seem to get good SLs when I have a lot of new accounts but when I scale back for at least 6-8 months with no inquiries or accounts then the APR offers really are attractive. For me, more inquiries and new accounts = higher APRs

[Anonymous]

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@credit_is_crack wrote:
If your a PIF kinda spender than APR doesn’t matter. As your scores and general profile improves you’ll see lower and lower APRs roll thru.

For me I still seem to get good SLs when I have a lot of new accounts but when I scale back for at least 6-8 months with no inquiries or accounts then the APR offers really are attractive. For me, more inquiries and new accounts = higher APRs

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Yeah I get that and I agree with you but it’s kind of crappy to have a card that has 22.24% as it’s lowest APR and 29.24% as it’s highest, with most cards issued at 26.24%. I guess Sync has to pay for the 2% somehow since it’s a standard MasterCard, not a WMC/WEMC. 

[mikesonthemend]

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@credit_is_crack wrote:
If your a PIF kinda spender than APR doesn’t matter. As your scores and general profile improves you’ll see lower and lower APRs roll thru.

For me I still seem to get good SLs when I have a lot of new accounts but when I scale back for at least 6-8 months with no inquiries or accounts then the APR offers really are attractive. For me, more inquiries and new accounts = higher APRs

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You can cite me in your thesis.

[Brian_Earl_Spilner]

That's a spiffy looking card you got there.

[Anonymous]

OP, what's your current TU score?

[CreditJourney007]

Noooo, don't regret it! I love mine! 2% cashback is great!

[pinkandgrey]

Congrats! Good SL but daaang don’t carry a balance lol

[Anonymous]

Congrats but why the regrets? Great card to have and I see you will get a statement credit of $100 after spending $1k.