Applied for Credit Card via PayPal

Guest: jrjdrayer
Credit Expert (100+ Posts)
Post subject: Applied for Credit Card via PayPal
Posted: Wed Sep 19, 2007 11:43 am

That's what I was saying !!!
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Guest: Ira
Board Monitor
Posted: Wed Sep 19, 2007 11:51 am

spjoink wrote:
I got an inquire from Gemb/ paypal for a new creditcard and i also see i got a $3000 credit limit ....i never applied for this card...what can i do
The creditlimit is a joke ...they pulled equifax.


I'm confused. Did you get an "inquire" (inquiry?), did you get an offer for an account with a $3,000.00 limit, or did you get the actual card?

Some people would drool over a $3,000.00 limit while others think it's too small. It depends on the individual and what you're going to use the card for. I have some accounts with a $2,000.00 limit that are perfectly adequate. I have others with a $25,000.00 limit.
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Guest: jrjdrayer
Credit Expert (100+ Posts)
Posted: Wed Sep 19, 2007 11:52 am

When I got mine, there was no hard inquiry and the account just showed up on the paypal website and on my credit report.
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Perspective - Use it or lose it.
(R. Bach)

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Credit Cards That Don't Report Credit Card Credit Limit

Author: shan7
Posted: Thu May 10, 2007 1:02 pm
Post subject: Cards like Capital One that does not report credit limit

Any other cards besides Capital One that you know of that does not report the credit limit?

Also, why do you think Capital One does not report these limits? I read one article that said this maybe to prevent competition from knowing who the good customers are. Curious...

Please let know to help a reporter out. Please keep responses to the point and short. Thanks.
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Author: hdporter
Posted: Thu May 10, 2007 1:36 pm
Post subject:

I personally believe that Cap 1 does everything it can to keep its "less than prime" customer base from straying elsewhere. There's no question that FICO calculates utilization on a Cap 1 a/c against reported high balance and, thus, their cardholders' credit standing is impaired vs the case were CL's reported. In circumstances where a cardholder has few other accounts, that can be quite effective in reducing attractive alternative offers.

Aside from Cap 1, it's widely discussed that prime "no pre-set limit" cards don't report limits. In truth, these cards don't have an assigned credit limit ... just a stated credit LINE that can be exceeded under the terms of the account.

This reporting is legitimate but, again, is troublesome since appearances are that FICO again will score utilization against reported high balance.

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Author: cowb0ysfan
Posted: Thu May 10, 2007 2:23 pm
Post subject:

Somebody mentioned that Citi Premier Pass doesn't report CL or high balance.

At least with Cap1, you can charge up to your available CL and then PIF to establish your high balance which is then reported and factored into your utilization.

I also heard rumors that Cap1 will be reporting CL's before the end of this year.

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Author: smallfry
Posted: Thu May 10, 2007 5:12 pm
Post subject:

I had some HSBC cards that didn't report but its been a few years since I had 'em.

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Author: mouse
Posted: Thu May 10, 2007 5:30 pm
Post subject:

They report HIGH BALANCE

Max it out (less $100) PIF

No credit limit is a non issue

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Balance Transfer Credit Card Advice From Experienced People

Author: taz86
Posted: Sun May 06, 2007 5:54 pm
Post subject: people who have done BT's

does doing a balance transfer lower score at all just curious

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Author: mouse
Posted: Sun May 06, 2007 6:00 pm
Post subject: Re: people who have done BT's

taz86 wrote:
does doing a balance transfer lower score at all just curious

It may for a month or two

Say you do $5,000 with BofA and CITIBANK

One will be $5,000 less

One will be $5,000 more

THE SCORE IS THE SAME AFTER BOTH BALANCES UPDATE

Saving interest money is MORE important than a STINKIN' SCORE

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Author: taz86
Posted: Sun May 06, 2007 6:13 pm
Post subject:

thanks... but im just trying to learn about credit / loans like the do and don't cause I want to save money and have a good score like I said in my other post I want a house by 30 no later then 35

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Author: TomfromCT
Posted: Sun May 06, 2007 6:51 pm
Post subject:

lets say you BT 5k off of a 20k limit card because a promo rate you had ended.


You move the 5k to a 6k limit card with a much better rate.


You make out financially. You suffer a bit on the score side. so what.

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Author: mouse
Posted: Sun May 06, 2007 7:36 pm
Post subject:

I have done probably 50+ BT's

Maybe 100+

Saving money on the APR is more important than any tempory score loss

You can use that FICO money for a STEAK DINNER FOR TWO AT A DECENT RESTAURANT

You could also pay less in that interest "IF" you use that FICO money to pay down your highest APR card

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CitiDiamond 0% Balance Transfer Promotion Credit Card Review

Author: JoyJoy
Posted: Wed May 09, 2007 9:03 pm
Post subject: HD Porter -CitiDiamond 0% Life of the Balance Promo

Hey HD or anyone who can answer this question for me.

This promotion that requires two purchases after 5/1/07, to maintain a 0% for life balance, is it still possible to add more 0% balance transfers?? The reason I ask is that on the CitiDiamond site, the 0% offer still appears and says it will continue until the balance is paid in full. Are they referring to the balances already transferred?

I wrote Citi an email and asked "Hasn't the 0% balance transfer offer on my account closed as of 5/1/07? What is the current rate for balance transfers now on this account and what is the duration?"

Their response: "Our records indicate that 0.00% promotional offer for balance transfer on your account is valid til you make your payment in full, however, to better assist you, we need to speak with you directly."
???? LOL

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Author: mouse
Posted: Wed May 09, 2007 9:11 pm
Post subject: Re: HD Porter -CitiDiamond 0% Life of the Balance Promo

JoyJoy wrote:
Hey HD or anyone who can answer this question for me.

This promotion that requires two purchases after 5/1/07, to maintain a 0% for life balance, is it still possible to add more 0% balance transfers?? The reason I ask is that on the CitiDiamond site, the 0% offer still appears and says it will continue until the balance is paid in full. Are they referring to the balances already transferred?

I wrote Citi an email and asked "Hasn't the 0% balance transfer offer on my account closed as of 5/1/07? What is the current rate for balance transfers now on this account and what is the duration?"

Their response: "Our records indicate that 0.00% promotional offer for balance transfer on your account is valid til you make your payment in full, however, to better assist you, we need to speak with you directly."
???? LOL

"I thought I was speaking to you"

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Author: JoyJoy
Posted: Wed May 09, 2007 9:18 pm
Post subject:

my sentiments exactly Mouse!

These terms get confusing at times or else I'm just slow.

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Author: mouse
Posted: Wed May 09, 2007 9:27 pm
Post subject:

JoyJoy wrote:
my sentiments exactly Mouse!

These terms get confusing at times or else I'm just slow.

"I'm sorry you are hinting that you are E-MAIL PHOBIC but I am not"

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Author: Ira
Posted: Wed May 09, 2007 11:36 pm
Post subject:

Quote:
"Our records indicate that 0.00% promotional offer for balance transfer on your account is valid til you make your payment in full, however, to better assist you, we need to speak with you directly."

So obviously you don't want to know what they might have to say and you prefer to remain in the dark. If it was me I'd simply pick up the phone and have a short conversation. You've already wasted more time on this thread than it would have taken to make the call. Ok, that's your choice.

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Royal Carribean Visa Credit Card Review

Author: lauren75
PostPosted: Fri Apr 13, 2007 1:13 pm
Post subject: Does anybody have the Royal Carribean visa card

I just got an email for one and you get 2500 points to start with. I am also cruising in September so I may do it & charge enough to get a $50 on board credit. Does anyone have any experiences with this credit card?

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Author: direred
PostPosted: Fri Apr 13, 2007 8:06 pm
Post subject:

No, but I want it.

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