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PayPal Credit CLI

Auto Loans for ANY Credit Situation. Immediate Response.
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Frequent Contributor

PayPal Credit CLI

This is my first unsolicited CLI ($1k) with PPC and possibly with Synchrony too.  

 

General DPs

  • CL history: Within the first six months, nearly doubled the CL via purchases (under Comenity). After the transfer to Synchrony, I updated my income but I did not receive a CLI. 
  • Usage patterns: In the last six months, I paid off deferred financing within 3 months or less and the account utilization fluctuated between 0-30%. Prior to that, I paid off deferred financing within 4-5 months and account utilization fluctuated between 15-90%.  
$mart $$$: #1 Prioritize health, #2 Invest, #3 Limit debt
My Garden Goal: Mortgage ready and below 5/24

Last spade:Current spade:
Message 1 of 12
11 REPLIES 11
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Community Leader
Super Contributor

Re: PayPal Credit: Unsolicited CLI

Congrats on your auto-CLI there

Message 2 of 12
Community Leader
Mega Contributor

Re: PayPal Credit: Unsolicited CLI

Congrats! 

Message 3 of 12
Frequent Contributor

Re: PayPal Credit: Unsolicited CLI

Congrats. Always nice to see one of these out of the blue.

Current Score: Mar 2019: EX FICO8 779, TU FICO8 800, EQ FICO 780, TU Vantage 773, EQ Vantage 786
AoOA: closed: 35 years, open: 24 years; AAoA: 11.8 years; Inquiries: 2019: 2, 2018: 3; No BK ever, 1 30 day late in 2013
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Sync Lowes, Sync JC Penney - total CL 129k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 4 of 12
Valued Contributor

Re: PayPal Credit: Unsolicited CLI

Congrats on the CLI!



Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 5 of 12
Senior Contributor

Re: PayPal Credit: Unsolicited CLI

Congrats on rare auto luv CLI !!!!

 

 

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 6 of 12
Valued Contributor

Re: PayPal Credit: Unsolicited CLI

Congratulations! Just checked my PPC account saw that I also got a $1K CLI. Must be the semi-annual review.

OK, I'm back to a seedling, but I'm done for a long time (unless, of course a great offer comes along).
Message 7 of 12
Valued Contributor

Re: PayPal Credit: Unsolicited CLI

congratulations congrats GIF by Goldfish

CONGRATULATIONS on your Very Nice CLI!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $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 |
Apple Card WEMC $6K | NFCU cashRewards $1K
TCL - $117.5K+ | Rebuilding since April 2018
Message 8 of 12
Community Leader
Mega Contributor

Re: PayPal Credit: Unsolicited CLI

Congrats NamasteSmiley Happy. I hardly use mine no wonder i never get autos but for something that doesnt report, im ok with $2500Smiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9 of 12
New Contributor

Re: PayPal Credit: Unsolicited CLI


@Namaste7 wrote:

This is my first unsolicited CLI ($1k) with PPC and possibly with Synchrony too.  

 

General DPs

  • CL history: Within the first six months, nearly doubled the CL via purchases (under Comenity). After the transfer to Synchrony, I updated my income but I did not receive a CLI. 
  • Usage patterns: In the last six months, I paid off deferred financing within 3 months or less and the account utilization fluctuated between 0-30%. Prior to that, I paid off deferred financing within 4-5 months and account utilization fluctuated between 15-90%.  

That is awesome! That is the only way you can get an increase with paypal credit or purchase something over your credit limit. That is what happened to me. I was at $1K and had it at $800 or so, and I purchased a handbag with it and I really thought it would not put the purchase through but pushed it through with took my new limit to $2500. They upped it twice now, it is at $4k now but it does not show on my  credit report. So I used it often and pay it off within the 6 months! Congrats on the CLI. 

Working on paying off debts, and getting a house by 2022. In the garden until then.
Message 10 of 12
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