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No garden can hold me - PayPalMC approval

Saeren
Mega Contributor

Re: No garden can hold me - PayPalMC approval


@mikesonthemend wrote:

@Saeren wrote:

Congrats!

 

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


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

 

I need a breathalyser on my computer.


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. Smiley Surprised





Message 11 of 32
Steve891
Senior Contributor

Re: No garden can hold me - PayPalMC approval

Congrats on your PayPal MC approval! Smiley Happy




Message 12 of 32
credit_is_crack
Valued Contributor

Re: No garden can hold me - PayPalMC approval

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
Message 13 of 32
Saeren
Mega Contributor

Re: No garden can hold me - PayPalMC approval


@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

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. 





Message 14 of 32
mikesonthemend
Valued Contributor

Re: No garden can hold me - PayPalMC approval


@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

You can cite me in your thesis.




Living through Darwinism is so much worse than learning about about it in school.
Message 15 of 32
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: No garden can hold me - PayPalMC approval

That's a spiffy looking card you got there.




Message 16 of 32
felipestrong
Regular Contributor

Re: No garden can hold me - PayPalMC approval

OP, what's your current TU score?

Message 17 of 32
CreditJourney007
Frequent Contributor

Re: No garden can hold me - PayPalMC approval

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

Message 18 of 32
pinkandgrey
Community Leader
Senior Contributor

Re: No garden can hold me - PayPalMC approval

Congrats! Good SL but daaang don’t carry a balance lol
Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 19 of 32
Cubs16
Contributor

Re: No garden can hold me - PayPalMC approval

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

Gardening since 12/6/19
Message 20 of 32
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