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PayPal Credit up and running

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

Re: PayPal Credit (BML) Love Button Now Live!


@babbles wrote:

can you use paypal without an open account?  I'm thinking of closing mine altogether!


Regular PayPal payments can be made without an account with a number of caveats, one of them being that without a PayPal account some merchants won't accept payment because you don't have a verified address. 

Any PayPal credit accounts, whether they're cards or credit lines, will be closed if you close your PayPal account. 


01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 121 of 142
Contributor

Re: PayPal Credit (BML) Love Button Now Live!

You guys! they finally gave me an increase! From 2250 - 3000. Fun fact, they pulled Equifax (I know that from a denial letter). Strange, cause Synch usually pulls TU, but Comenity pulls EQ (for me, at least). 

Message 122 of 142
Frequent Contributor

Re: PayPal Credit (BML) Love Button Now Live!

Congrats!  I guess I will keep mine open for now.

Message 123 of 142
Established Contributor

Re: PayPal Credit (BML) Love Button Now Live!

CreditJourney, how long have you had PayPal Credit? I’m surprised it wasn’t more. Congrats on your increase. Anything is good.

I only tried once for a CLI, when the button first showed up. I got an increase from the original $5k limit to $10k (that’s all I asked for).
FICO- Experian: 797, TransUnion: 781, Equifax: 804 (Updated Monthly)
Message 124 of 142
Contributor

Re: PayPal Credit (BML) Love Button Now Live!

@credit_hawk

 

I got it in March, I believe. I only asked for $3000. I went back in and asked for more, but no go. I will wait until I get the letter, but I'm thinking it's because they had just approved the first increase and I'll probably have to wait a few months. That's fine though - my balance is $1500 and I'm trying to pay it off before January, so the higher CL helps pad util when it starts reporting. 

Message 125 of 142
Community Leader
Super Contributor

Re: PayPal Credit (BML) Love Button Now Live!

What do you mean they Pulled Eq? You got a hp for a $500 increase?
#ChaseCreditCardHobby Enthusiast
2022
!
Message 126 of 142
Moderator

Re: PayPal Credit (BML) Love Button Now Live!

Yeah the EQ pull is out of character for SYNCB, but stranger things can happen I suppose.

IIRC, @Jnbmom recently had a CLI on this very same product but maybe she can confirm if her [SP] was with TU?
Message 127 of 142
Frequent Contributor

Re: PayPal Credit (BML) Love Button Now Live!

I applied for a CLI the first day it was available from the switch over and didn’t receive a HP and was approved.


Message 128 of 142
Community Leader
Senior Contributor

Re: PayPal Credit (BML) Love Button Now Live!

I got an increase the night it changed over (their website), I can confirm at least for me it was a SP with TU.

Very surprised at HPing EQ?
EXP 753 TU 781 EQ 733
Message 129 of 142
Contributor

Re: PayPal Credit (BML) Love Button Now Live!

Sorry, not a HP. The denial letter was based on my EQ credit score when I tried last month but it was a SP. 

Message 130 of 142
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