PayPal Credit CLI...after a returned payment.

[JayMoEvo]

Hello,

I attempted to do a CLI for my PayPal Credit account, but unfortunately I got a response that I had too many returned payments. I've never missed or been late on a payment, but I had a old account that was connected to my PayPal that had attempted to be drafted from but their were no funds in the account. I was curious, how long do I need to wait till I can get a CLI? The last return happened on my October statement and I've since taken that old account off and got the return payment charges removed.

[Brian_Earl_Spilner]

Depends on the lender. Many want 12 months of no issues. Some don't tolerate them very well. Cap1 or Amex would have closed your cards. 

[Jnbmom]

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@JayMoEvo wrote:

Hello,

I attempted to do a CLI for my PayPal Credit account, but unfortunately I got a response that I had too many returned payments. I've never missed or been late on a payment, but I had a old account that was connected to my PayPal that had attempted to be drafted from but their were no funds in the account. I was curious, how long do I need to wait till I can get a CLI? The last return happened on my October statement and I've since taken that old account off and got the return payment charges removed.

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You stated the "last return " how many returns did have total ? I would think after the first you would removed that account . I agree with @Brian_Earl_Spilner  you are very lucky they did close your account outright . 

It will most likely be atleast 12 months maybe longer .

[805orbust]

Sync is forgiving traditionally iirc, however it may take a coupla years for them to forget that.  The one wild card that none of us can truly quantify is how the current economic climate is going to affect their decisions moving forward.  I suspect it'll be a sort of Wild Wild West out there shortly.

[JayMoEvo]

The thing that throws me for a loop is that I believe they also are the lenders for Lowe's, JCPenney, and a few other store cards. I've been able to get CLI on all of those.

And they actually did close the account, that's when I finally called them and explained to them that it was attempting to draft from an old account and they could obviously see my payment history of no late payments so they reopened it and removed the fees.

[K-in-Boston]

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@JayMoEvo wrote:

The thing that throws me for a loop is that I believe they also are the lenders for Lowe's, JCPenney, and a few other store cards. I've been able to get CLI on all of those.

And they actually did close the account, that's when I finally called them and explained to them that it was attempting to draft from an old account and they could obviously see my payment history of no late payments so they reopened it and removed the fees.

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It wouldn't be surprising that they determine your eligibility based on historical handling of the account in question, rather than all accounts you hold with them.