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Paypal Credit Approval

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Frequent Contributor

Paypal Credit Approval

After many denials, I finally got my credit going in a good direction. I was checking out of Overstock.com and figured oh what the heck I will try for Paypal credit this way. BOOM! Approved $2000 sl. I am overjoyed. I know many may not like paypal credit but it comes in useful for me because I use paypal constantly!


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

7/14/19 EQ:754 EX:733 TU: 755
Message 1 of 14
13 REPLIES 13
Regular Contributor

Re: Paypal Credit Approval

Congratulations! I have all the "majors" and I love my PayPal Credit.

 

Sometimes, you just gotta have a hidden tradeline to buffer things.

 

Again, Congrats! Smiley Happy

Message 2 of 14
Frequent Contributor

Re: Paypal Credit Approval

 


@richasis wrote:

Congratulations! I have all the "majors" and I love my PayPal Credit.

 

Sometimes, you just gotta have a hidden tradeline to buffer things.

 

Again, Congrats! Smiley Happy




Yes! I do see that as a bonus. It isn't reported to the bureaus and so it will not count against my utilization. This can help me when it comes to managing certain credit cards I have without showing high utilization on my paypal credit. I just have to use it wisely!


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

7/14/19 EQ:754 EX:733 TU: 755
Message 3 of 14
Community Leader
Mega Contributor

Re: Paypal Credit Approval

Congrats. Actually most people do not have issues with PPC , its a great hidden tradeline. Just keep in mind that when it converts over to Synchrony there may be a chance it could teport to bureaus so be careful carrying a high balance on it .Smiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 14
Established Member

Re: Paypal Credit Approval


@AnikinsDarling wrote:

After many denials, I finally got my credit going in a good direction. I was checking out of Overstock.com and figured oh what the heck I will try for Paypal credit this way. BOOM! Approved $2000 sl. I am overjoyed. I know many may not like paypal credit but it comes in useful for me because I use paypal constantly!


keep it up man sl 2,000 not bad any data points?

Message 5 of 14
Senior Contributor

Re: Paypal Credit Approval

Congrats

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 14
Frequent Contributor

Re: Paypal Credit Approval


@Kingy wrote:

@AnikinsDarling

keep it up man sl 2,000 not bad any data points?


Sure!

 

Starting limit: $2000

APR: 19.99% minimum interest charge is $2

No interest if paid in full within 6 months of purchases $99 or more

Not sure which was pulled yet as nothing has shown up on my reports but usually PPC has pulled EQ for me and right now EQ fico is 640, AAoA: 3 months, INQs: 17, Utilization: 21%


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

7/14/19 EQ:754 EX:733 TU: 755
Message 7 of 14
Valued Contributor

Re: Paypal Credit Approval

Congrats!!

I gave up my PayPal credit last year.



FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 8 of 14
New Visitor

Re: Paypal Credit Approval

They reward you that much? My credit isn't good because my identity got Stolen how can i GUARANTEE get an approval
Message 9 of 14
Frequent Contributor

Re: Paypal Credit Approval


@beeradthagreat23 wrote:
They reward you that much? My credit isn't good because my identity got Stolen how can i GUARANTEE get an approval

I don't believe there can be a guarantee on getting approved. My PPC has been very good to me I am now almost at $5000 Cl. What do your scores look like? Any baddies?


4/14/18 EQ: 653 TU: 666 EX: 669

9/29/18 EQ:729 EX:712 TU: 715

7/14/19 EQ:754 EX:733 TU: 755
Message 10 of 14
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