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PayPal Cashback Mastercard® Approval

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Regular Contributor

PayPal Cashback Mastercard® Approval

Pulled the trigger yesterday on the PayPal Cashback Mastercard

 

They HP on TransUnion - i'm located in FL

 

Got a message to call in to verify myself, I have a Fraud Alert on my File.

 

Verified some simple information - Name, Address, SS

 

Approved - SL $500 ... 1st Synchrony Card

 

So far after my rebuild, I am sitting with

 

$10,000 - LOC

Amex Rose GOLD

$3,000 - Amex Business Delta GOLD

$500 - Synchrony - PayPal Cashback 

$500 - FNBO Card

$500 - GreenDot Secured Primor Card

$500 - TOTAL Secured Card

$500 - First Progress Card

$5,000 - My Jewlers Club

 

The only negative I have left is Back Child Support - Which is showing Charge Off / Collections / Closed Account - I still wonder what my score would be if this wasn't on my credit ... jeez ... 

Starting Score: 567
Current Score: 739
Goal Score: 760


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Message 1 of 13
12 REPLIES 12
Frequent Contributor

Re: PayPal Extras Mastercard® Approval

Congratulations 🎉🎈

What was your TU score at approval? I was denied with TU at 640. Syncrony is not chill with me like Comenity. I have tried for Syncrony for years and it just never works out. They stated in the denial that I don’t have experience with Morgage? I assume installment loans idk

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 620 TU8: 645 EX8:640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 6MONTHS AAOA: 2YR 6MONTHS
Inquiries in 12 months: EQ: 1 TU: 1 EX: 1
CLOSED: Self Lender 12Month CD: June 20th 19’


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17%
Message 2 of 13
Senior Contributor

Re: PayPal Extras Mastercard® Approval

Congrats on your approval !!!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 13
Senior Contributor

Re: PayPal Extras Mastercard® Approval

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 4 of 13
Valued Contributor

Re: PayPal Extras Mastercard® Approval

Congrats on the card OP. But heads up--don't knock yourself out earning points on this card b/c the redemption rate is horrible...only 6/10 of 1 cpp.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 5 of 13
Regular Contributor

Re: PayPal Extras Mastercard® Approval


@CivalV wrote:
Congratulations 🎉🎈

What was your TU score at approval? I was denied with TU at 640. Syncrony is not chill with me like Comenity. I have tried for Syncrony for years and it just never works out. They stated in the denial that I don’t have experience with Morgage? I assume installment loans idk


My TU at approval is 721

Starting Score: 567
Current Score: 739
Goal Score: 760


Take the myFICO Fitness Challenge
Message 6 of 13
Regular Contributor

Re: PayPal Extras Mastercard® Approval


@Credit-hoarder wrote:

Congrats on the card OP. But heads up--don't knock yourself out earning points on this card b/c the redemption rate is horrible...only 6/10 of 1 cpp.


My only reason for getting this card is for the 3% cash back setup in certain instances ... 

 

My daily driver is my Gold AMEX, I will never go into CREDIT CARD DEBT AGAIN !!!  I use it for what I can afford and pay off EACH AND EVERY MONTH!

 

I repeat I WILL NEVER GO INTO CREDIT CARD DEBT AGAIN !!! :-)

 

 

Starting Score: 567
Current Score: 739
Goal Score: 760


Take the myFICO Fitness Challenge
Message 7 of 13
Valued Contributor

Re: PayPal Extras Mastercard® Approval

Congrats on your PayPal Mastercard approval! Smiley Happy




Message 8 of 13
Frequent Contributor

Re: PayPal Extras Mastercard® Approval


@DapprD wrote:

@Credit-hoarder wrote:

Congrats on the card OP. But heads up--don't knock yourself out earning points on this card b/c the redemption rate is horrible...only 6/10 of 1 cpp.


My only reason for getting this card is for the 3% cash back setup in certain instances ... 

 

My daily driver is my Gold AMEX, I will never go into CREDIT CARD DEBT AGAIN !!!  I use it for what I can afford and pay off EACH AND EVERY MONTH!

 

I repeat I WILL NEVER GO INTO CREDIT CARD DEBT AGAIN !!! :-)

 

 


Grats!

Don't mean to rain on your parade, but the 3% debit/mc trick is done with the cashback card and not this one.  Unless you were talking about 3x points for the certain things, then ignore me.  lol

BK7 Discharged 12/16


EQ8/9: 674/725 | TU8: 683 | EX8: 735
Message 9 of 13
Regular Contributor

Re: PayPal Extras Mastercard® Approval


@Drusbo wrote:

@DapprD wrote:

@Credit-hoarder wrote:

Congrats on the card OP. But heads up--don't knock yourself out earning points on this card b/c the redemption rate is horrible...only 6/10 of 1 cpp.


My only reason for getting this card is for the 3% cash back setup in certain instances ... 

 

My daily driver is my Gold AMEX, I will never go into CREDIT CARD DEBT AGAIN !!!  I use it for what I can afford and pay off EACH AND EVERY MONTH!

 

I repeat I WILL NEVER GO INTO CREDIT CARD DEBT AGAIN !!! :-)

 

 


Grats!

Don't mean to rain on your parade, but the 3% debit/mc trick is done with the cashback card and not this one.  Unless you were talking about 3x points for the certain things, then ignore me.  lol


YOU are CORRECT ... the card is the PayPal Cashback Mastercard® and I corrected the post !!! 

 

Thanks for pointing that out !

Starting Score: 567
Current Score: 739
Goal Score: 760


Take the myFICO Fitness Challenge
Message 10 of 13
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