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Paypal Smartconnect upgraded to Paypal Extras Mastercard

sghosh5
Valued Contributor

Paypal Smartconnect upgraded to Paypal Extras Mastercard

2 years back i tried to apply for Paypal Mastercard and that time they countered me with smart connect account and gave a limit of 500. Over the time the limit grew to 4100. Yesterday got a letter in mail that my account had been upgraded to Paypal extras mastercard. The card gives 3x points in gas and can accumulate 50K points in a year. Not a bad card at all. It also gives 2x points for any paypal purchases, which is a good perk too since i use paypal a lot for online purchases. Looking forward to get the card. Have come a long way in credit repair journey. It will be complete in 2019 when my credit reports completely become free from negative accounts.




Shell FCU : 5K
Message 1 of 15
14 REPLIES 14
JanetLee
Contributor

Re: Paypal Smartconnect upgraded to Paypal Extras Mastercard

Congratulations!

Scores 9/10/16 EX 726 TU 715 EQ 685
Cards: Delta Amex $5000/ PRG NSL/ Discover It $6500/ Marvel MC $8000/ Walmart MC $8000/ Ebates Visa $15000/Chase Disney $6000/Cabela's $2000/BBVA NBA Amex $2300/ QS1 $2300/Citi DC WEM$2500/ Citi TYP $1500/ Chase Amazon $2000/EqualityCard $1000/ Amazon Prime $6000 /Frontgate $4000/ Overstock $3800 /Wayfair $3600/ Bloomingdale's $2100/ Kohl's $2500/ Macy's $3200/ Victoria's Secret $2850/ Goody's $2650/ BP Store card $2500/ Paypal Smart Connect $4000/Walmart $6000/Chevron Visa $6000/TJ Maxx $3500/ Blispay $5000/Old Navy $5000/Venture $5000/Lowe's $15000/JCrew $5300
Message 2 of 15
schsa210
Established Contributor

Re: Paypal Smartconnect upgraded to Paypal Extras Mastercard

Congrats!

~buried myself in the garden~
Message 3 of 15
alextercero
Super Contributor

Re: Paypal Smartconnect upgraded to Paypal Extras Mastercard

Congrats

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Currently rebuilding as of (May 2021)

Current Fico Scores 8: (October 2022)

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Message 4 of 15
CreditCuriosity
Moderator Emeritus

Re: Paypal Smartconnect upgraded to Paypal Extras Mastercard

Congrats!  Just keep in mind PayPal MC points are worth about .83 cents per point.. so 3x back isnt 3% cashback.

NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 22.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 15.5k | SECU 20k | Discover 20k | William Sonoma Visa 35k | Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | TD Cash 6k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | BMO Harris Cash 18.5k | Barclay's Red AA 22k | MFCU 20k | Amex Business Cash 30k | Amex Business Prime 20k | Amex Delta Business Platinum 10k | AMEX BBP 15k
Message 5 of 15
sghosh5
Valued Contributor

Re: Paypal Smartconnect upgraded to Paypal Extras Mastercard

Yes read about it. Still better than Paypal SC. 




Shell FCU : 5K
Message 6 of 15
CreditCuriosity
Moderator Emeritus

Re: Paypal Smartconnect upgraded to Paypal Extras Mastercard


@sghosh5 wrote:

Yes read about it. Still better than Paypal SC. 


Agree 100%

NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 22.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 15.5k | SECU 20k | Discover 20k | William Sonoma Visa 35k | Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | TD Cash 6k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | BMO Harris Cash 18.5k | Barclay's Red AA 22k | MFCU 20k | Amex Business Cash 30k | Amex Business Prime 20k | Amex Delta Business Platinum 10k | AMEX BBP 15k
Message 7 of 15
tan_clutch
New Visitor

Re: Paypal Smartconnect upgraded to Paypal Extras Mastercard

I got the same letter as the OP today, and I have a similar history with Smart Connect: started with a low limit around $500, now up to $3800. This will at least get me to start using the account again as Smart Connect was kind of pointless (no points or rewards--were there even any financing deals?)

 

I was going to call and see if I could be considered for the ebay card instead but it looks like they're basically the same card? You get 2x points for ebay/Paypal purchases with either one.

Message 8 of 15
traveler2005
Established Contributor

Re: Paypal Smartconnect upgraded to Paypal Extras Mastercard


@tan_clutch wrote:

I got the same letter as the OP today, and I have a similar history with Smart Connect: started with a low limit around $500, now up to $3800. This will at least get me to start using the account again as Smart Connect was kind of pointless (no points or rewards--were there even any financing deals?)

 

I was going to call and see if I could be considered for the ebay card instead but it looks like they're basically the same card? You get 2x points for ebay/Paypal purchases with either one.


   will your credit line be the same or will they increase it when offered the upgraded account? Is there a way to find out?  I received the letter today, it says you can call and reject the change but before doing that it would be nice to know if you are going to get the same limit or an increase?  Anyone know about this????

 

Thanks in advice





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


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Message 9 of 15
orl2185
Established Contributor

Re: Paypal Smartconnect upgraded to Paypal Extras Mastercard

Got that letter few days ago too. I've had SC sine  2007, limit began 600 it's currently at 6k. I'm elated to say the least.

Message 10 of 15
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