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Amazon Card vs PayPal Credit?

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chalupaman
Super Contributor

Re: Amazon Card vs PayPal Credit?


@JSS3 wrote:

@juggar wrote:

@Anonymous wrote:

Looking to finish a PC build of about 250$'s and I need one more store card (or MC/Visa) I felt these two were the way to go to make the purchase for PC parts.

 

Does anyone have input on these two as to which would be better for this kind of stuff and approval rate etc?

 

Thanks All !


Apply for the PayPal Extras mastercard, it hooks directly in with your Paypal account so if you have money in the paypal account(from ebay sales like me) you can apply it directly to the extras card and it reflects on your available credit immediately. When I got approved I think my score was like ~650 

 

Still takes a few days for the balance to update, but still its nice to see an instant impact and more available credit.

 

They have been having some pretty good rewards stuff going on with the paypal card, I get emails where its like " hey, activate this offer and use your card at least once and you get a $10 statement credit" . 

 

If you cant get approved for that try paypal buyer credit (used to be bill-me-later). 

 

You can also try the newegg preferred card, now the newegg preferred and paypal buyer credit dont report anything to the CB's unless your late. So the limits wont show and it wont show as a tradeline. 

 

Oh, and if you want both the extras mastercard and paypal buyer credit you need two separate paypal accounts. You would need a third if you wanted the ebay mastercard


I often wondered if someone would actually dare to get all three(BML, Extras Mastercard, and Ebay) and go to the trouble of creating 3 different accounts. Also, if Paypal would see this as a problem once caught, albeit allowed.


I dunno about all three but you definitely can have both BML and PP SC as log as they're linked to different email accounts.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 21 of 28
juggar
Contributor

Re: Amazon Card vs PayPal Credit?

I have 3 paypals, I think I tried applying for the ebay card but I dont remember. Oh well, doesn't hurt to try again since inquiries stopped hurting me. 

 

Would be pretty funny if they approved me. lol

Amex Green, Chase Freedom(7.5K), Nationwide Visa Signature(6K), Chase Sapphire Preferred(6k), Cap One VentureOne visa signature (5K) BoA Cash Rewards siggy (5K), BoA travel rewards visa siggy(5K) PayPal Extras Mastercard(5K), Capital One QuickSilver(2.25K) Newegg Preferred Account(2K), Citi Forward(3.4K), Dell Account(2K) Discover IT(2.4K), Chase Slate (1.5K) Citi Diamond Preferred ($800), BestBuy Mastercard ($1500),Bill-Me-Later(1.2K), ,Barclay Mastercard(2K). TigerDirect TigerPay(3.15K), Wal-mart credit card(3.9K), Amazon store card (2K)

equifax - 720, TU - 747, Exp - 734 - report date 11/24/2014
15+ inqs...
Message 22 of 28
JSS3
Valued Contributor

Re: Amazon Card vs PayPal Credit?


@chalupaman wrote:

@JSS3 wrote:

@juggar wrote:

@Anonymous wrote:

Looking to finish a PC build of about 250$'s and I need one more store card (or MC/Visa) I felt these two were the way to go to make the purchase for PC parts.

 

Does anyone have input on these two as to which would be better for this kind of stuff and approval rate etc?

 

Thanks All !


Apply for the PayPal Extras mastercard, it hooks directly in with your Paypal account so if you have money in the paypal account(from ebay sales like me) you can apply it directly to the extras card and it reflects on your available credit immediately. When I got approved I think my score was like ~650 

 

Still takes a few days for the balance to update, but still its nice to see an instant impact and more available credit.

 

They have been having some pretty good rewards stuff going on with the paypal card, I get emails where its like " hey, activate this offer and use your card at least once and you get a $10 statement credit" . 

 

If you cant get approved for that try paypal buyer credit (used to be bill-me-later). 

 

You can also try the newegg preferred card, now the newegg preferred and paypal buyer credit dont report anything to the CB's unless your late. So the limits wont show and it wont show as a tradeline. 

 

Oh, and if you want both the extras mastercard and paypal buyer credit you need two separate paypal accounts. You would need a third if you wanted the ebay mastercard


I often wondered if someone would actually dare to get all three(BML, Extras Mastercard, and Ebay) and go to the trouble of creating 3 different accounts. Also, if Paypal would see this as a problem once caught, albeit allowed.


I dunno about all three but you definitely can have both BML and PP SC as log as they're linked to different email accounts.


Yeah, I have two paypal accounts. 1 for Paypal Credit(formerly Bill Me Later) and another for Paypal Extras Mastercard. I might just be that Daredevil and create a third for the Ebay Mastercard. Hehe. It's essenitally the same card as Paypal, but hey, more GE limits for me! Would be great to get $5,000

Message 23 of 28
juggar
Contributor

Re: Amazon Card vs PayPal Credit?


@JSS3 wrote:

@chalupaman wrote:

@JSS3 wrote:

@juggar wrote:

@Anonymous wrote:

Looking to finish a PC build of about 250$'s and I need one more store card (or MC/Visa) I felt these two were the way to go to make the purchase for PC parts.

 

Does anyone have input on these two as to which would be better for this kind of stuff and approval rate etc?

 

Thanks All !


Apply for the PayPal Extras mastercard, it hooks directly in with your Paypal account so if you have money in the paypal account(from ebay sales like me) you can apply it directly to the extras card and it reflects on your available credit immediately. When I got approved I think my score was like ~650 

 

Still takes a few days for the balance to update, but still its nice to see an instant impact and more available credit.

 

They have been having some pretty good rewards stuff going on with the paypal card, I get emails where its like " hey, activate this offer and use your card at least once and you get a $10 statement credit" . 

 

If you cant get approved for that try paypal buyer credit (used to be bill-me-later). 

 

You can also try the newegg preferred card, now the newegg preferred and paypal buyer credit dont report anything to the CB's unless your late. So the limits wont show and it wont show as a tradeline. 

 

Oh, and if you want both the extras mastercard and paypal buyer credit you need two separate paypal accounts. You would need a third if you wanted the ebay mastercard


I often wondered if someone would actually dare to get all three(BML, Extras Mastercard, and Ebay) and go to the trouble of creating 3 different accounts. Also, if Paypal would see this as a problem once caught, albeit allowed.


I dunno about all three but you definitely can have both BML and PP SC as log as they're linked to different email accounts.


Yeah, I have two paypal accounts. 1 for Paypal Credit(formerly Bill Me Later) and another for Paypal Extras Mastercard. I might just be that Daredevil and create a third for the Ebay Mastercard. Hehe. It's essenitally the same card as Paypal, but hey, more GE limits for me! Would be great to get $5,000


LOL, you arnt getting anything because I just tried and have the same BML and Paypal extra mastercard as you. 

 

here's the response :

 

  • "Social Security Number: This SSN is already attached to a PayPal account. Please login to that account to complete the application."

And if you do they say you already have a credit product or some garbage. 

 

I figured as much lol 

Amex Green, Chase Freedom(7.5K), Nationwide Visa Signature(6K), Chase Sapphire Preferred(6k), Cap One VentureOne visa signature (5K) BoA Cash Rewards siggy (5K), BoA travel rewards visa siggy(5K) PayPal Extras Mastercard(5K), Capital One QuickSilver(2.25K) Newegg Preferred Account(2K), Citi Forward(3.4K), Dell Account(2K) Discover IT(2.4K), Chase Slate (1.5K) Citi Diamond Preferred ($800), BestBuy Mastercard ($1500),Bill-Me-Later(1.2K), ,Barclay Mastercard(2K). TigerDirect TigerPay(3.15K), Wal-mart credit card(3.9K), Amazon store card (2K)

equifax - 720, TU - 747, Exp - 734 - report date 11/24/2014
15+ inqs...
Message 24 of 28
JSS3
Valued Contributor

Re: Amazon Card vs PayPal Credit?


@juggar wrote:

@JSS3 wrote:

@chalupaman wrote:

@JSS3 wrote:

@juggar wrote:

@Anonymous wrote:

Looking to finish a PC build of about 250$'s and I need one more store card (or MC/Visa) I felt these two were the way to go to make the purchase for PC parts.

 

Does anyone have input on these two as to which would be better for this kind of stuff and approval rate etc?

 

Thanks All !


Apply for the PayPal Extras mastercard, it hooks directly in with your Paypal account so if you have money in the paypal account(from ebay sales like me) you can apply it directly to the extras card and it reflects on your available credit immediately. When I got approved I think my score was like ~650 

 

Still takes a few days for the balance to update, but still its nice to see an instant impact and more available credit.

 

They have been having some pretty good rewards stuff going on with the paypal card, I get emails where its like " hey, activate this offer and use your card at least once and you get a $10 statement credit" . 

 

If you cant get approved for that try paypal buyer credit (used to be bill-me-later). 

 

You can also try the newegg preferred card, now the newegg preferred and paypal buyer credit dont report anything to the CB's unless your late. So the limits wont show and it wont show as a tradeline. 

 

Oh, and if you want both the extras mastercard and paypal buyer credit you need two separate paypal accounts. You would need a third if you wanted the ebay mastercard


I often wondered if someone would actually dare to get all three(BML, Extras Mastercard, and Ebay) and go to the trouble of creating 3 different accounts. Also, if Paypal would see this as a problem once caught, albeit allowed.


I dunno about all three but you definitely can have both BML and PP SC as log as they're linked to different email accounts.


Yeah, I have two paypal accounts. 1 for Paypal Credit(formerly Bill Me Later) and another for Paypal Extras Mastercard. I might just be that Daredevil and create a third for the Ebay Mastercard. Hehe. It's essenitally the same card as Paypal, but hey, more GE limits for me! Would be great to get $5,000


LOL, you arnt getting anything because I just tried and have the same BML and Paypal extra mastercard as you. 

 

here's the response :

 

  • "Social Security Number: This SSN is already attached to a PayPal account. Please login to that account to complete the application."

And if you do they say you already have a credit product or some garbage. 

 

I figured as much lol 


That's why I'm so very appreciative for members on this forum...not only do they supply us with knowledge via data points, but they often stop me from myself. LOL

 

Thanks for taking that hit.Smiley Happy

Message 25 of 28
juggar
Contributor

Re: Amazon Card vs PayPal Credit?


@JSS3 wrote:

@juggar wrote:

@JSS3 wrote:

@chalupaman wrote:

@JSS3 wrote:

@juggar wrote:

@Anonymous wrote:

Looking to finish a PC build of about 250$'s and I need one more store card (or MC/Visa) I felt these two were the way to go to make the purchase for PC parts.

 

Does anyone have input on these two as to which would be better for this kind of stuff and approval rate etc?

 

Thanks All !


Apply for the PayPal Extras mastercard, it hooks directly in with your Paypal account so if you have money in the paypal account(from ebay sales like me) you can apply it directly to the extras card and it reflects on your available credit immediately. When I got approved I think my score was like ~650 

 

Still takes a few days for the balance to update, but still its nice to see an instant impact and more available credit.

 

They have been having some pretty good rewards stuff going on with the paypal card, I get emails where its like " hey, activate this offer and use your card at least once and you get a $10 statement credit" . 

 

If you cant get approved for that try paypal buyer credit (used to be bill-me-later). 

 

You can also try the newegg preferred card, now the newegg preferred and paypal buyer credit dont report anything to the CB's unless your late. So the limits wont show and it wont show as a tradeline. 

 

Oh, and if you want both the extras mastercard and paypal buyer credit you need two separate paypal accounts. You would need a third if you wanted the ebay mastercard


I often wondered if someone would actually dare to get all three(BML, Extras Mastercard, and Ebay) and go to the trouble of creating 3 different accounts. Also, if Paypal would see this as a problem once caught, albeit allowed.


I dunno about all three but you definitely can have both BML and PP SC as log as they're linked to different email accounts.


Yeah, I have two paypal accounts. 1 for Paypal Credit(formerly Bill Me Later) and another for Paypal Extras Mastercard. I might just be that Daredevil and create a third for the Ebay Mastercard. Hehe. It's essenitally the same card as Paypal, but hey, more GE limits for me! Would be great to get $5,000


LOL, you arnt getting anything because I just tried and have the same BML and Paypal extra mastercard as you. 

 

here's the response :

 

  • "Social Security Number: This SSN is already attached to a PayPal account. Please login to that account to complete the application."

And if you do they say you already have a credit product or some garbage. 

 

I figured as much lol 


That's why I'm so very appreciative for members on this forum...not only do they supply us with knowledge via data points, but they often stop me from myself. LOL

 

Thanks for taking that hit.Smiley Happy


Happy to oblige lol but I dont think it checked my credit since it pretty much stopped the application. 

 

I think I did this like 3 months ago and didnt get an inq then either. 

 

Good ol syncony bank, I know they would approve me if they would just let me go ahead and have that ebay card haha

Amex Green, Chase Freedom(7.5K), Nationwide Visa Signature(6K), Chase Sapphire Preferred(6k), Cap One VentureOne visa signature (5K) BoA Cash Rewards siggy (5K), BoA travel rewards visa siggy(5K) PayPal Extras Mastercard(5K), Capital One QuickSilver(2.25K) Newegg Preferred Account(2K), Citi Forward(3.4K), Dell Account(2K) Discover IT(2.4K), Chase Slate (1.5K) Citi Diamond Preferred ($800), BestBuy Mastercard ($1500),Bill-Me-Later(1.2K), ,Barclay Mastercard(2K). TigerDirect TigerPay(3.15K), Wal-mart credit card(3.9K), Amazon store card (2K)

equifax - 720, TU - 747, Exp - 734 - report date 11/24/2014
15+ inqs...
Message 26 of 28
Anonymous
Not applicable

Re: Amazon Card vs PayPal Credit?

If you're looking at the Amazon Visa, Sallie Mae may be a better option. 5% cash back on the first $750 spent per month vs. 3% back for the Amazon card. 

Message 27 of 28
Anonymous
Not applicable

Re: Amazon Card vs PayPal Credit?


@Anonymous wrote:

If you're looking at the Amazon Visa, Sallie Mae may be a better option. 5% cash back on the first $750 spent per month vs. 3% back for the Amazon card. 


I Tried them before I got approved for the amazon card. They denied me (Well said ill get an answer in 10 bus days.)

Message 28 of 28
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