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PayPal Cash Back Mastercard - Approval - SL $8700

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Valued Contributor

PayPal Cash Back Mastercard - Approval - SL $8700

I logged into PayPal from PC today to check on the payment status of something I sold on eBay.  The first landing page was an "Apply Now" for the 2% Card.  I was eying this card or the Double Cash card for general purpose use.  I wasn't interested in a double-pull and Citi seems to occasionally do that.  I also can't get a prequalify offer from Citi (possibly due to a permanent opt-out years ago, despite attempting to opt back in).

 

While I was unsure if the landing page offer was an actual offer, I did think my Transunion score was high enough to warrant an approval though one never really knows these things.  I'm happy it worked out.

 

Unless a great bonus offer comes up, I'm done for a while (I always say this.).  I want to let my AAoA age back above 7 years before I do anything else.  

 

Stats:

Temp Limit - $250

Permanent Limit - $8700 (I wont recon for a higher limit.)

Pull - Transunion

Transunion Score - 733

Recent Transuion Inquires - 1 Nov (Barclaycard - Red Aviator), 2 Dec (BoA CLI, Cap One - Venture)

Inquires Last 6mo - 7

AAoA - 6y6mo

Oldest Account - 12y6m

APR - 16.99 (Lowest Tier but I'll PIF)

 



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
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14 REPLIES 14
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Frequent Contributor

Re: PayPal Cash Back Mastercard - Approval - SL $8700

Nicely done! And thanks for the data points! Smiley Happy 







Message 2 of 15
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Moderator

Re: PayPal Cash Back Mastercard - Approval - SL $8700

Nice approval amount for that card and decent APR for a sync card although as you stated PIF it.

 

Regarding CITI I can't get a pre-qual either, but once i got my first card with them all others approved.  Go for the card you want vs. counting on pre-quals as if you profile supports it then most likely whether pre-qual'ed or not you will get the card whatever lender it is

 

 

Message 3 of 15
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Established Contributor

Re: PayPal Cash Back Mastercard - Approval - SL $8700

Congrats Points.  Nice SL.  

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 4 of 15
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Valued Contributor

Re: PayPal Cash Back Mastercard - Approval - SL $8700

Thanks West, Scott...great feedback CreditCuriousity.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 5 of 15
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Community Leader
Mega Contributor

Re: PayPal Cash Back Mastercard - Approval - SL $8700

4 the love of all thats holySmiley Happy. Great approval . Getting the low apr and almost 10k on 1st shot is amazing !. Enjoy your cash back!

CC, fantastic adviseSmiley Happy Too many depend solely on prequals. You either qualify or you dont for a cc and data points like these help one make better decisions.
Message 6 of 15
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Established Contributor

Re: PayPal Cash Back Mastercard - Approval - SL $8700

Great SL, time to garden...maybe.


Message 7 of 15
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Senior Contributor

Re: PayPal Cash Back Mastercard - Approval - SL $8700

Congrats on a big approval!

 

That's a Sync card, correct?  Make sure you don't have too many Sync cards to avoid the dreaded blue envelope!

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Valued Contributor

Re: PayPal Cash Back Mastercard - Approval - SL $8700

First and only Sync card. No desire for any others.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 9 of 15
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Frequent Contributor

Re: PayPal Cash Back Mastercard - Approval - SL $8700

Congrats!  I logged into my PayPal account earlier today to pay off my $12 balance and got the same landing page.  I was tempted but I'm done with any new credit!

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
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