PayPal Extras Mastercard Disaster!

KDKobes · ‎12-18-2018

As some of you may know I applied for the PayPal Extras Card and was approved for a $300 toy limit 🙄 right before going into the garden. In that process they double pulled (once on the 1st then again on the 2nd) my report on TransUnion(common issue lately). First attempt with customer service for some reason disputed my whole card, called a 2nd time just a week ago explaining what is going on & they said they were going to fix it. Fast forward to today & I can’t get logged into my account after paying the balance off last night. Called customer service explained everything a 3rd time, put me on hold, he comes back and tells me the account has been closed because apparently I said I never opened it. At this point I’m agitated yet relieved mainly because the SL was ridiculous, customer support obviously can’t understand English, payment processing I found to be a complete joke (balance, limit, etc take forever to show correctly, process, or post), & once I boil it down there isn’t many perks to even having that card at this point. Needless to say I have a feeling this card is going to haunt me for a long time with trying to get the INQ’s removed from the report, but they did say it’s all getting removed like it never happened......🙄. Now I’m afraid to leave the garden 🤪 and apply for anything down the road. J/k

If anyone out there is considering one of these PayPal cards be forewarned of the negative impacts & headaches that come with it. I will be avoiding Synchrony Bank & PayPal for any kind of credit in the near future that’s for sure.

staticvoidmain · ‎12-18-2018

This has been happening with Synchrony lately. I believe they have acknowledged ths issue. I do agree that their outsource support is horrendous.

I wouldn't go as far as saying to avoid them in the future, as it would have been fixed by then. I care not about Synchrony, but PayPal is great. Synchony's CLI process is also something I like very much. I am happy with my 3% cashback with their Cashback Mastercard + Business Debit combo.

KDKobes · ‎12-18-2018

@staticvoidmain wrote:
This has been happening with Synchrony lately. I believe they have acknowledged ths issue. I do agree that their outsource support is horrendous.

I wouldn't go as far as saying to avoid them in the future, as it would have been fixed by then. I care not about Synchrony, but PayPal is great. Synchony's CLI process is also something I like very much. I am happy with my 3% cashback with their Cashback Mastercard + Business Debit combo.

After this issue “I”will be avoiding them in the future regardless. Although just for the record I never stated for anyone else to avoid them if you read the post I said be forewarned, etc. I do agree with the CLI process via Synchrony though as I have the Sync/Furniture Row Card.

Jetboy · ‎12-18-2018

@staticvoidmain wrote:
This has been happening with Synchrony lately. I believe they have acknowledged ths issue. I do agree that their outsource support is horrendous.

This is what is keeping me from getting the PayPal 2% cashback card. I am not sure I can willingly sign up for a credit card where the outsource support is horrendous. I really like the card on paper.

kdm31091 · ‎12-18-2018

@Jetboy wrote:
@staticvoidmain wrote:
This has been happening with Synchrony lately. I believe they have acknowledged ths issue. I do agree that their outsource support is horrendous.
This is what is keeping me from getting the PayPal 2% cashback card. I am not sure I can willingly sign up for a credit card where the outsource support is horrendous. I really like the card on paper.

That and you have the Fidelity and the Amex Magnet for non-category spending already, anyway, so I would not put up with Paypal/Sync.

digitek · ‎12-18-2018

This is kind of the reason why I didn't open the PayPal 2% MasterCard + PayPal Debit 1% combo.

I haven't heard anybody report what happens if there's any type of dispute when using the combination, but I suspect resolution might not be so straightforward and frankly I'm willing to lose that 1% in order to not have to deal with it.

Anonymous · ‎12-18-2018

@digitek wrote:
This is kind of the reason why I didn't open the PayPal 2% MasterCard + PayPal Debit 1% combo.

I haven't heard anybody report what happens if there's any type of dispute when using the combination, but I suspect resolution might not be so straightforward and frankly I'm willing to lose that 1% in order to not have to deal with it.

Yes, my guess is that you have to dispute the debit transaction, and the credit card doesn't come into it. Debit card protections are usually weaker than credit card, so this could be an issue if you buy big ticket items this way (on the other hand, on costly items, 3% vs 2% is more worthwhile!)

But IMO one of the big advantages of the combo comes when paying taxes. A lot of the payment processers charge a LOT less for debit vs credit, so even though you may not get the 1% credit, it's still much better than paying with a 2% card

staticvoidmain · ‎12-19-2018

@Anonymous wrote:
A lot of the payment processers charge a LOT less for debit vs credit, so even though you may not get the 1% credit, it's still much better than paying with a 2% card

This is correct. There are times that I use it as debit (vs credit with 1%) because I can save more. Not only that, there are also merchants that ONLY accept debit cards, which means I can still use my debit and earn the cashback like it was credit card.

@digitek wrote:I haven't heard anybody report what happens if there's any type of dispute when using the combination, but I suspect resolution might not be so straightforward and frankly I'm willing to lose that 1% in order to not have to deal with it.

This will be a PayPal issue, not with Synchrony.

digitek · ‎12-19-2018

(edited) I can see why the combo is popular on here, but I personally can't pull the trigger on it.