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No garden can hold me - PayPalMC approval

Ysettle4
Valued Contributor

Re: No garden can hold me - PayPalMC approval

Congrats....but HOLY CARD Act APR violation bateman!! (well, it should be at that rate)

744 INQs: 10754 INQs: 5743 INQs: 12UTIL: 1%AAoA: 3yr 6mosTotal Credit Line: $8616250
Message 21 of 32
Marz2002
Valued Contributor

Re: No garden can hold me - PayPalMC approval

YOU...

awesome congratulations GIF by Slanted Studios

Mike, please give the lenders some mercy!!!

 

CONGRATS on your Approval, the AWESOME SL, and Welcome to the PayPal Cashback MC family!!! 

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | 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 | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 22 of 32
odd_dog
Valued Contributor

Re: No garden can hold me - PayPalMC approval


@Saeren wrote:

@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. 


OP CONGRATS!!!  I just checked my APR from this months bill.....I am at 18.24 so did something change recently?

 

Untitled.jpeg

Message 23 of 32
AverageJoesCredit
Community Leader
Mega Contributor

Re: No garden can hold me - PayPalMC approval

Grats M8! great card and you are part of the lucky few to score a SUBSmiley Wink
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 24 of 32
imaximous
Valued Contributor

Re: No garden can hold me - PayPalMC approval


@odd_dog wrote:

@Saeren wrote:

@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. 


OP CONGRATS!!!  I just checked my APR from this months bill.....I am at 18.24 so did something change recently?

 

Untitled.jpeg


I’m at 18.24% too. It’s been creeping up since I got it (just like almost every other card). I could be wrong but I think mine started at 16.99% at the end of 2017. I can only go back 1 year in online statements, and in June of last year, I was at 17.49%. 

AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | GS | PenFed | SYNCB (PP MC, Lowe's, Amazon, PP Credit) | US Bank
Message 25 of 32
odd_dog
Valued Contributor

Re: No garden can hold me - PayPalMC approval


@imaximous wrote:

@odd_dog wrote:

@Saeren wrote:

@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. 


OP CONGRATS!!!  I just checked my APR from this months bill.....I am at 18.24 so did something change recently?

 

Untitled.jpeg


I’m at 18.24% too. It’s been creeping up since I got it (just like almost every other card). I could be wrong but I think mine started at 16.99% at the end of 2017. I can only go back 1 year in online statements, and in June of last year, I was at 17.49%. 


You are correct, last May APR was 17.49 anything before that you have to request......nice catch!!

Message 26 of 32
mikesonthemend
Valued Contributor

Re: No garden can hold me - PayPalMC approval


@felipestrong wrote:

OP, what's your current TU score?


Due too way too much activity, it is probably around 650. I only get dailies from EX.




Living through Darwinism is so much worse than learning about about it in school.
Message 27 of 32
mikesonthemend
Valued Contributor

Re: No garden can hold me - PayPalMC approval


@Cubs16 wrote:

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


I didn't need the card. I needed the gratification. Yes, 2% on everything is strong. Just not sure SYNC is what I want to base my daily spend on. DW is on the Citi DoubleCash plan. Discover is being great to me. When first year with Disco ends I will need to reevaluate.




Living through Darwinism is so much worse than learning about about it in school.
Message 28 of 32
Saeren
Mega Contributor

Re: No garden can hold me - PayPalMC approval


@odd_dog wrote:

@Saeren wrote:

@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. 


OP CONGRATS!!!  I just checked my APR from this months bill.....I am at 18.24 so did something change recently?

 

Untitled.jpeg


New account terms were updated in October to institute 21.99% as the lowest APR, 25.99% as the mid, 28.99% as the high. Then the prime rate went up. 

 

https://images.synchronycredit.com/consumereApply/Internet/paypaldc/en/pdf/TermsConditions70.pdf





Message 29 of 32
mikesonthemend
Valued Contributor

Re: No garden can hold me - PayPalMC approval

Uh, yes


@odd_dog wrote:


OP CONGRATS!!!  I just checked my APR from this months bill.....I am at 18.24 so did something change recently?

 

Untitled.jpeg


Yes, something has changed. Lot's of things have changed. Biggest begins with a "D", ends with and "e", and has "ivorc" in the middle. It is right there in my signature.




Living through Darwinism is so much worse than learning about about it in school.
Message 30 of 32
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