PayPal credit - Sync - hidden or not?

[AverageJoesCredit]

Instead of being able to go 6 months making $0 payments, now you will have to pay the bare minimum each month and hopefully pay off the purchase in its entirety before promo runs out

[CreditCuriosity]

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@AverageJoesCredit wrote:
Instead of being able to go 6 months making $0 payments, now you will have to pay the bare minimum each month and hopefully pay off the purchase in its entirety before promo runs out

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And they were so kind to raise the apr :/.

[FinStar]

My next statement should generate in a couple weeks and I had some activity recently just to test things out. So far it's still under its "invisible cloak" 🤞

[digitek]

I got a different question then...

Why of all credit accounts does this one in particular not report to the big 3 credit bureau's?  I know there have a been a few credit accounts that would not report to one or two of the 3, and even then not sure why they didn't report to them all.  This PayPal Credit account in particular, though, never has and I guess never will report to the credit bureau's, why is that?  Are other accounts obligated in some form to do so and this account isn't for some reason?

[K-in-Boston]

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@digitek wrote:

I got a different question then...

Why of all credit accounts does this one in particular not report to the big 3 credit bureau's?  I know there have a been a few credit accounts that would not report to one or two of the 3, and even then not sure why they didn't report to them all.  This PayPal Credit account in particular, though, never has and I guess never will report to the credit bureau's, why is that?  Are other accounts obligated in some form to do so and this account isn't for some reason?

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Hidden tradelines aren't as common these days, but they do exist - many business cards are hidden since while they usually have a PG (from small business owners), they do not appear on personal credit files.  It's a revolving line of credit, but since it has to be used through a single channel (PayPal) it's not a traditional line of credit where you could use the money in any manner you wish.  If you miss payments, it does report, and this is the same for all other hidden tradelines that I can think of.

[FinStar]

It was a discretionary feature that was initially offered when the product initially launched years and years ago. Think of "in-house" account.

Some lenders still provide this type of discretionary, non-reportable feature. John Deere financial, for instance, on the retail/PLC side. The JPM Select and Reserve (formerly Palladium) also provide that feature.

In the past, the BMO Harris Diners Club cards were also hidden TLs.

[ndjim75]

Sorry gang. To clear things up, i missunderstood the original post being PayPal line of credit.

What i responded to was in regards to the PayPal Mastercard.

Sorry to Confuse the original topic and the associated hidden trade line.

[K-in-Boston]

@ndjim75 thank you for the clarification.  They're easy to get mixed up.

[Anonymous]

It been 2 statements cuts so far and it still hidden tradeline. Since paypal credit is not a physical credit card, I dont think it will show up in the future. So the paypal credit has it limitation such as only be used online. just a thought.

[Loquat]

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@Anonymous wrote:

It been 2 statements cuts so far and it still hidden tradeline. Since paypal credit is not a physical credit card, I dont think it will show up in the future. So the paypal credit has it limitation such as only be used online. just a thought.

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While I'm happy that the line is still hidden, not having a swipeable card has not bearing on reporting.  Overstock (store card) and even Synchrony's own Amazon store card doesn't have a swipeable card (albeit physical card) and both of those report.