Re: Earn 3% on everything using one card

OmarR · ‎01-31-2019

@Anonymous wrote:
This is very interesting, I should’ve gotten the PayPal instead of the double cash.

FWIW, I was in the same boat as you. After applying for the Paypal card, I than took my existing DoubleCash card and pc'ed it into a Citi Dividend (5% rotating categories) card.

EQ=850 TU=849 EX=850 0/24 UTIL=$1 AZEO

USAA Limitless VISA (1.5% Everyday Non-category) $24,000

Paypal MC (2% Everyday Non-Category) $10,000

US Bank+ VISA (5% Dept Stores & Phone) $12,000

Fort Knox Credit Union VISA (5% Gas) $13,500

Vantage West VISA (5% Costco) $10,000 & (DW- 5% Utilities) $10,000

Chase Freedom VISA (5% Rotating Categories) $12,000

Discover IT (5% Rotating Categories) $10,500

Citi Dividend MC (5% Rotating Categories) $10,3000

Nusenda Platinum Rewards VISA (5% Rotating Categories) $13,900

Anonymous · ‎01-31-2019

@OmarR: that would be a great idea but I’m hoping to convert the simplicity to a dividend, since it is useless. However if I’m unable to do that as many have stated they’re unable to PC from it, then I may do just that. And I love your portfolio it’s beautiful.

vV35Hszm · ‎01-31-2019

@patoot10 wrote:
people reported that they can't apply for the PayPal 2% cashback credit card if they have a PayPal business account, they had to downgrade to PayPal personal account to be eligible to apply for the 2% credit card.

FYI I just got approved (still waiitng for card) and I already have the Business Desbit. Not sure how that would even work... when I applied for the card it didn't ask me if I had Paypal?

Anonymous · ‎01-31-2019

@vV35Hsmz: Would you share which bureau they hit and any data points you’re comfortable sharing? Thank you

Anonymous · ‎01-31-2019

@vV35Hszm wrote:
@patoot10 wrote:
people reported that they can't apply for the PayPal 2% cashback credit card if they have a PayPal business account, they had to downgrade to PayPal personal account to be eligible to apply for the 2% credit card.
FYI I just got approved (still waiitng for card) and I already have the Business Desbit. Not sure how that would even work... when I applied for the card it didn't ask me if I had Paypal?

Where did you apply? Standard App https://www.paypal.com/us/webapps/mpp/credit-card/2-percent-cash-back-mastercard makes you login to paypal.

vV35Hszm · ‎01-31-2019

@Anonymous wrote:
@vV35Hszm wrote:
@patoot10 wrote:
people reported that they can't apply for the PayPal 2% cashback credit card if they have a PayPal business account, they had to downgrade to PayPal personal account to be eligible to apply for the 2% credit card.
FYI I just got approved (still waiitng for card) and I already have the Business Desbit. Not sure how that would even work... when I applied for the card it didn't ask me if I had Paypal? In any case, I still have my business debit.
Where did you apply? Standard App https://www.paypal.com/us/webapps/mpp/credit-card/2-percent-cash-back-mastercard makes you login to paypal.

Well I guess you're right... but it's weird because I was approved and yet when I log into Paypal I'm still prompted to apply.

Anonymous · ‎01-31-2019

@Anonymous wrote:
@vV35Hsmz: Would you share which bureau they hit and any data points you’re comfortable sharing? Thank you

Sync is almost always TU HP and EQ SP.

Anonymous · ‎01-31-2019

@vV35Hszm wrote:
@Anonymous wrote:
@vV35Hszm wrote:
@patoot10 wrote:
people reported that they can't apply for the PayPal 2% cashback credit card if they have a PayPal business account, they had to downgrade to PayPal personal account to be eligible to apply for the 2% credit card.
FYI I just got approved (still waiitng for card) and I already have the Business Desbit. Not sure how that would even work... when I applied for the card it didn't ask me if I had Paypal? In any case, I still have my business debit.
Where did you apply? Standard App https://www.paypal.com/us/webapps/mpp/credit-card/2-percent-cash-back-mastercard makes you login to paypal.
Well I guess you're right... but it's weird because I was approved and yet when I log into Paypal I'm still prompted to apply.

PayPal’s website leaves a lot to be desired at times. I can’t tell you how many times I go to pay with PayPal and I get sent to login, get a code, then submit the code and get kicked back to login again, second code, and then it finally lets me submit my payment.

patoot10 · ‎01-31-2019

I don't mean to worry you but this is an issue because the system automatically links your paypal cashback credit card to your paypal personal account the second you get approved. The fact that you have a paypal buiness debit card means that you either have a business account (so not eligible for the cashback credit card) or you had the business card back in the day when you were able to apply for it with a personal account and you still have that personal account and they didn't shutdown your paypal debit card for not having a business account.

I think it's the reader's responsibility to follow the instructions and data points so they don't end up in situations that may not end up in their favor.