PayPal credit questions

[CashBackQueen]

Is this still a hidden tradeline?
They are backed by Synchrony now, right?
Are they bankruptcy friendly if previously IIB?
Are they inquiry sensitive? (I have between 10 - 13 over the last two years)
And at about what score are they likely to approve?
Looking to add this to my portfolio sometime in the future. I don't need it now, but I figure if I want to plan a vacation, I'd rather put the expense on a hidden tradeline with 0% financing. Thanks!

[Priory_Man]

Yes still a hidden TL and backed by Synchrony, scores up in the mid 600's, not sure about the rest though.

[Begin_anew1]

Yes it’s still a hidden ttradeline and they are bk friendly. I was approved with score in the low 600’s. I applied 3 months after discharge and it was an Equifax pull.

[zerofire]

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@CashBackQueen wrote:
Is this still a hidden tradeline?
They are backed by Synchrony now, right?
Are they bankruptcy friendly if previously IIB?
Are they inquiry sensitive? (I have between 10 - 13 over the last two years)
And at about what score are they likely to approve?
Looking to add this to my portfolio sometime in the future. I don't need it now, but I figure if I want to plan a vacation, I'd rather put the expense on a hidden tradeline with 0% financing. Thanks!

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1. Yes, hidden until you fail to pay. If they need to report a late payment they will and the whole thing pops up.

2. Yes, Synchrony Bank runs the show now.

3. Yes, Synchrony Bank is like Opera. You get a card, You get a card, You get a card. Having a BK with Synchrony IIB will just slow down your application slightly whie they figure out how to approve you.

4. Not likely.

5. Either 600 or low 600's. The account is not very picky.

[Dilbert934]

There are two differnent paypal offerings....

PayPal Credit - Does not show up as a tradeline and appears to be managed internally by PayPal

PayPal Smartconnect - Does show up as a TL and is managed by Syncrony

BillMeLater became PayPal Credit.  It was not a new offering by them.  SmartConnect was an original offering by PayPal.

[AverageJoesCredit]

I dont think Sync just finds a way to approve everyone just to give them a card. Plenty people get rejected. You still need to meet their requitements for approvsls, whatever they maybe.

[kiea]

Yes, they are bankruptcy friendly. I was approved about 6 months after discharge with a credit line of $1,500. My scores were around 630.

The weird thing is I got denied for the Amazon store card the same week due to bankruptcy. Go figure

[CashBackQueen]

I can’t seem to get back in with Synchrony at all. I’m 14 months post BK discharge, all three FICOs above 630, the only cards I want from them are Walmart and PayPal credit and I can’t get approved for either

[zerofire]

14 Months is not really long enough if you included Synchrony Bank in the BK. If you included everyone else but them then that is another matter. Walmart is definitely the easiest CC to get ever so just look at cleaning up your reports and when you are ready then you can ask. PayPal Credit is generally overhyped. It is a great novelty until it wears off. Just keep that in mind.

[Anonymous]

@CashBackQueen - 

Which banks did you IIB? Were you able to get credit with them after your discharge?